Hi, i see you need a really complex full featured site like emoneypool.
Emoneypool is US only, and didnt want to border using a US proxy to view it(cos i happen to be in nigeria too), so i did a google on it.
What you want is a site where people can make recursive donations and have a cumulative of these donations given to some other member, also with a user forum.
I can get this done for you, am a well seasoned developer with over 8yrs experience, you can be assured a job well done.
And I guess since we're both in nigeria, we can communicate better. Here's my mobile 07064651243.
Although, i do have a question... Would site members be making deposits via online payment gateways? e.g Interswitch webpay, gtpay or vogue pay?
Would be great to hear from you.
Cheers.