The evidence is not anecdotal.
It is institutional.

"Savings-and-credit contracts can expand access to credit and dominate classic loan contracts."

The BIS is the central bank of central banks, serving 63 member central banks representing 95% of world GDP. This working paper provides the first formal economic model proving that consorcio-style contracts are not merely alternatives to bank loans but can structurally outperform them.

"Automaker-administered consorcios are dominant market players serving both credit-constrained consumers and middle-class savers."

This thesis won the Reginald H. Jones Prize, awarded to the best thesis at the Lauder Institute of Management and International Studies. It documents how Honda alone had delivered over 2 million vehicles through its consorcio program by 2006, and how the model serves both low-income and middle-class consumers.

"Early forms of U.S. savings and loan associations exhibited similar characteristics" to ROSCAs, delivering "lower transaction costs passed along to members, resulting in lower cost loans."

The Federal Reserve Bank of Philadelphia examines how rotating savings and credit associations function globally and documents their historical presence in the United States. The paper establishes that these structures reduce costs by eliminating intermediary profit extraction.