Final_Project_Version1

turtles-own [
  income  ;; monthly income
  goal-size  ;; how much money a turtle would like to accumulate
  goal-time  ;; how long a turtle has to accumulate the money
  reputation  ;; an informal credit-rating
  attainability ;; how difficult a turtle's goal is to attain
]

patches-own [
  club?  ;; is there a savings group here?
  club-type  ;; if group, what type
  monthly-contribution  ;; how much individuals put in monthly
  members  ;; how many members are in the group
  money  ;; how much money is in the pot
  desired-members  ;; how many members the group can hold
]

to setup
  ca
  create-turtles population
  set-default-shape turtles "person"
  ask turtles [
    setxy random-xcor random-ycor
    set income random-normal mean-income 10 
    set goal-size random-normal mean-goal-size 10
    set goal-time random-normal mean-goal-time 1
    set reputation 0
  ] 
  ask patches [
    set club? false
    set club-type ""
    set monthly-contribution ""
    set members 0
    set money 0
  ]
end 

to go
  create-club
  maybe-join
  ;; if a club has been created and then abandoned, update variables to reflect this
  ask patches with [club? = true] [
    if count turtles-here = 0 [
      set pcolor black
      set club? false
      set club-type ""
    set monthly-contribution ""
    set members 0
    set money 0 
    ]] 
end 

;; turtle selects type of club based on his goal attainabilty

to create-club 
    ask one-of turtles [
      calculate-attainability
    ifelse attainability < rosca-threshold [
      create-saving-up] [
      ifelse attainability < asca-threshold [
        create-rosca] [
        create-asca]
      ]]
end 

;; determine what percentage of income would have to be saved each month to reach goal

to calculate-attainability
  set attainability goal-size / (income * goal-time)
end 

to create-saving-up ;; turle procedure
  ask patch-here [
    set club? true
    set club-type "saving-up"
    set pcolor yellow
    ;; set monthly contribution such that expected payout in goal-time months = goal-size
    set monthly-contribution [goal-size] of one-of turtles-here / ([goal-time] of one-of turtles-here * (1 - risk))
    set desired-members [goal-time] of one-of turtles-here
  ]
end 

to create-rosca ;; turle procedure
  ask patch-here [
    set club? true
    set club-type "rosca"
    set pcolor green
    ;; set monthly contribution such that expected payout in goal-time months = goal-size
    set monthly-contribution [goal-size] of one-of turtles-here / ([goal-time] of one-of turtles-here * (1 - risk))
    set desired-members [goal-time] of one-of turtles-here
  ]
end 

to create-asca ;; turle procedure
  ask patch-here [
    set club? true
    set club-type "asca"
    set pcolor blue
    ;; set monthly contribution such that expected payout in goal-time months = goal-size
    set monthly-contribution [goal-size] of one-of turtles-here / ([goal-time] of one-of turtles-here * (1 - risk) * (1 + interest))
    set desired-members [goal-time] of one-of turtles-here
  ]
end 

to maybe-join 
  ask patches [
    set members count turtles-here]  ;; update members variable
  ifelse any? patches with [(club? = true) and (members < desired-members)] [
  let open-club one-of patches with [(club? = true) and (members < desired-members)]  ;; assign an open club
    ask one-of turtles [
      if (([desired-members] of open-club) * ([monthly-contribution] of open-club) * (1 - risk) >= goal-size) and ([desired-members] of open-club >= goal-time) [
      setxy [pxcor] of open-club [pycor] of open-club  
      ]]] ;; turtles decide whether they'd like to join the open club- is the payoff high enough and the time frame quick enough?
  [stop] ;; if all clubs are closed, stop
end