This kind of collusion is driven far more by perverse incentives than some alleged cultural phenomenon of half-assery people like to attach an incorrect but exotic-sounding foreign phrase to. I can't speak for Jugaad, but 差不多 ("Chabuduo") is not at all appropriate here [1]. Just call it what it is: cheating, collusion and conspiracy.

[1] https://news.ycombinator.com/item?id=27052249. This reminds me of the Japanese buzzword bingo of earlier decades.