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Journal articles on the topic 'Rotating credit associations'

Author: Grafiati

Published: 4 June 2021

Last updated: 4 March 2023

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1

Besley, T., S. Coate, and G. Loury. "Rotating Savings and Credit Associations, Credit Markets and Efficiency." Review of Economic Studies 61, no. 4 (1994): 701–19. http://dx.doi.org/10.2307/2297915.

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2

Chhetri, Ram. "Rotating Credit Associations in Nepal:Dhikurias Capital, Credit, Saving, and Investment." Human Organization 54, no. 4 (1995): 449–54. http://dx.doi.org/10.17730/humo.54.4.f17uj648g43k3n75.

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3

Light, Ivan, Im Jung Kwuon, and Deng Zhong. "Korean Rotating Credit Associations in Los Angeles." Amerasia Journal 16, no. 2 (1990): 35–54. http://dx.doi.org/10.17953/amer.16.2.k28607504u763847.

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4

Niyonsaba, Benjamin, Adeola Adenikinju, and Mutuma Ntoiti. "Rotating and Accumulating Savings and Credit Associations as Effective Tool for Enhancing the Women Entrepreneurship. A Theoretical Review." European Scientific Journal, ESJ 18, no. 22 (2022): 141. http://dx.doi.org/10.19044/esj.2022.v18n22p141.

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Rotating and accumulating savings and credit associations are recognized as essential drivers for enhancing women's entrepreneurship. The contribution of the informal organizations on entrepreneurship has been broadly studied. Many have overlooked women entrepreneurship. The current study reviews the theoretical and empirical literature on savings and credit associations and women entrepreneurship. The specific objectives are: to identify factors that encourage women's participation in rotating and accumulating savings and credit associations, to assess how the rotating and accumulating saving

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5

Kharisma, Bayu, Sutyastie Soemitro Remi, Ferry Hadiyanto, and Andhika Dwi Saputra. "The Economics of Rotating Savings and Credit Associations (ROSCAs) and Poverty in Indonesia." Jurnal Economia 16, no. 1 (2020): 100–111. http://dx.doi.org/10.21831/economia.v16i1.30308.

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Abstract: Arisan or Rotating Savings and Credit Associations (ROSCAs) constitute one of the most commonly found informal financial institutions in the developing world. This study aims to analyze the effect of Rotating Savings And Credit Associations (ROSCAs) on poverty in Indonesia using panel data sourced from the fourth and fifth wave of the Family Life Survey (IFLS). This study used a conditional logit or fixed effect logit to see the effect of Rotating Savings and Credit Associations (ROSCAs) participation and control variables, which include individual, household, and community character

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6

Dekle, Robert, and Koichi Hamada. "On the Development of Rotating Credit Associations in Japan." Economic Development and Cultural Change 49, no. 1 (2000): 77–90. http://dx.doi.org/10.1086/452491.

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7

Kimuyu, Peter Kiko. "Rotating Saving and Credit Associations in Rural East Africa." World Development 27, no. 7 (1999): 1299–308. http://dx.doi.org/10.1016/s0305-750x(99)00049-2.

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8

Janelli, Roger L., and Dawnhee Yim. "Interest Rates and Rationality: Rotating Credit Associations among Seoul Women." Journal of Korean Studies 6, no. 1 (1988): 165–91. http://dx.doi.org/10.1353/jks.1988.0001.

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9

Bouman, F. J. A. "Rotating and accumulating savings and credit associations: A development perspective." World Development 23, no. 3 (1995): 371–84. http://dx.doi.org/10.1016/0305-750x(94)00141-k.

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10

Klonner, Stefan. "Rotating Savings and Credit Associations When Participants are Risk Averse*." International Economic Review 44, no. 3 (2003): 979–1005. http://dx.doi.org/10.1111/1468-2354.t01-1-00097.

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11

Sadr, Seyed Kazem. "The optimum size of rotating qarḍ ḥasan savings and credit associations". ISRA International Journal of Islamic Finance 9, № 1 (2017): 15–26. http://dx.doi.org/10.1108/ijif-07-2017-003.

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Purpose Several indigenous credit and savings schemes have been accredited recently in developing countries for the benefit of households and entrepreneurs alike. Famous among them are the Rotating Savings and Credit Associations (ROSCAs) that exist in almost all continents currently. The rapid development of ROSCAs and their varied structures in many countries have been the subject of numerous studies. What has not been thoroughly analysed is the optimum size of these associations and the fact that lending and borrowing is without interest. The aim of this paper is to present a model that wou

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12

Ghebregiorgis, Fitsum, and Habteab Tekie Mehreteab. "Determinants of Rotating Savings and Credit Associations (ROSCAs) Features: Evidences from Asmara." Turk Turizm Arastirmalari Dergisi 2, no. 7 (2019): 1–16. http://dx.doi.org/10.26677/tr1010.2019.282.

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13

Tsai, Kellee S. "Banquet Banking: Gender and Rotating Savings and Credit Associations in South China." China Quarterly 161 (March 2000): 142–70. http://dx.doi.org/10.1017/s0305741000003970.

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The thirty members of Mr. Chang's society were asked to meet at his house on the 18th of the seventh month. As they were coming at his request and were going to help him with his need for funds. Mr. Chang provided a feast for his friends. A feast was served at all subsequent meetings of the [credit] society, but after the first meeting each member paid his share of the expense. (Sidney D. Gamble, “A Chinese mutual savings society,”Far Eastern Quarterly, No. 41 (1944), p. 41)

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14

Scholten, Ulrich. "Rotating Savings and Credit Associations in Developed Countries: The German–Austrian Bausparkassen." Journal of Comparative Economics 28, no. 2 (2000): 340–63. http://dx.doi.org/10.1006/jcec.2000.1657.

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15

Zelenova, D., and V. Kruchinsky. "An Economy of Miracle: Rotating Credit and Savings Associations in Townships of Johannesburg." Etnograficheskoe obozrenie, no. 2 (April 2019): 78–97. http://dx.doi.org/10.31857/s086954150004879-6.

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16

Onda, Morio. "Rotating savings and credit associations as traditional mutual help networks in East Asia." International Journal of Asian Studies 18, no. 2 (2021): 271–87. http://dx.doi.org/10.1017/s1479591421000036.

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AbstractThis paper presents micro finance as a traditional system of mutual help networks in East Asia. These are called “Rotating Savings and Credit Associations” (ROSCAS) and can also be seen in other areas. Micro finance means that invested money is small and managed by members. Mutual help actions are divided into three categories: reciprocal, redistributional, and unidirectional action. The content of redistribution is labor, goods, and money. ROSCAS are the distributional action of money. It has been called tanaomoshi or mujin in Japan. ROSCAS have different names: South Korean ke, Chine

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17

Salamon, Hagar, Steven Kaplan, and Harvey Goldberg. "What goes around, comes around: rotating credit associations among Ethiopian women in Israel." African Identities 7, no. 3 (2009): 399–415. http://dx.doi.org/10.1080/14725840903031882.

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18

Gugerty, Mary Kay. "You Can’t Save Alone: Commitment in Rotating Savings and Credit Associations in Kenya." Economic Development and Cultural Change 55, no. 2 (2007): 251–82. http://dx.doi.org/10.1086/508716.

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19

Handa, Sudhanshu, and Claremont Kirton. "The economics of rotating savings and credit associations: evidence from the Jamaican `Partner'." Journal of Development Economics 60, no. 1 (1999): 173–94. http://dx.doi.org/10.1016/s0304-3878(99)00040-1.

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20

Clark, Gracia. "Money-Go-Rounds: The Importance of Rotating Savings and Credit Associations for Women." American Ethnologist 24, no. 3 (1997): 673–74. http://dx.doi.org/10.1525/ae.1997.24.3.673.

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21

EROĞLU, ŞEBNEM. "Informal Finance and the Urban Poor: An Investigation of Rotating Savings and Credit Associations in Turkey." Journal of Social Policy 39, no. 3 (2010): 461–81. http://dx.doi.org/10.1017/s0047279409990699.

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AbstractThis study focuses on the organisation among poor households of rotating savings and credit associations locally known in Turkey as gün. Based on a longitudinal study of 17 households, the research demonstrates the distinctive ability of various güns to operate smoothly under inflationary conditions. Unlike the predominant portrayal of güns as a leisure activity for middle-class women, they are shown to act as a self-welfare instrument whereby poor households acquire the discipline of saving towards both their consumption and investment needs. Contrary to the conventional view, these h

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22

Lappeman, James, Jemma Litkie, Shriya Bramdaw, and Abigail Quibell. "Exploring retail orientated rotating savings and credit associations: festive season ‘stokvels’ in South Africa." International Review of Retail, Distribution and Consumer Research 30, no. 3 (2019): 331–58. http://dx.doi.org/10.1080/09593969.2019.1667853.

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23

Kovsted, Jens, and Peter Lyk-Jensen. "Rotating savings and credit associations: the choice between random and bidding allocation of funds." Journal of Development Economics 60, no. 1 (1999): 143–72. http://dx.doi.org/10.1016/s0304-3878(99)00039-5.

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24

Francois, Patrick, and Munir Squires. "Linking mobile money networks to “e-ROSCAs”: An experimental study." Science Advances 7, no. 1 (2021): eabc5831. http://dx.doi.org/10.1126/sciadv.abc5831.

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We present results from a study in the Democratic Republic of the Congo that uses mobile money networks to run rotating savings and credit associations (ROSCAs), peer-to-peer finance groups ubiquitous across the developing world. We find high rates of contribution and ROSCA success. The unexpected success of such e-ROSCAs and their potential to extend banking to the bankless poor necessitate further exploration.

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25

LIGHT, IVAN. "EXITING POVERTY THROUGH SELF-EMPLOYMENT: THE GRAMEEN MODEL AND ROTATING CREDIT ASSOCIATIONS AS ALTERNATIVE STRATEGIES." Journal of Developmental Entrepreneurship 26, no. 02 (2021): 2150012. http://dx.doi.org/10.1142/s1084946721500126.

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Self-employment in the informal sector keeps poor people alive, but it rarely enables them to exit poverty. To exit poverty through self-employment, poor people require monetary and non-monetary resources which they overwhelmingly lack. To escape this dilemma, the owners of survivalist business firms need to band together in order to assemble a minimal resource base on the strength of which they can together upgrade their partnership. Because resources are scarce in poverty populations, this task is exceptionally hard to accomplish. Rotating credit and savings associations (ROSCAs) can enable

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26

Stoffle, Brent W., Richard W. Stoffle, Jessica Minnis, and Kathleen Van Vlack. "Women’s Power and Community Resilience Rotating Savings and Credit Associations in Barbados and the Bahamas." Caribbean Studies 42, no. 1 (2014): 45–69. http://dx.doi.org/10.1353/crb.2014.0020.

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27

Rasyid, Mohtar, Elan Satriawan, and Catur Sugiyanto. "Impact of public transfer on rotating savings and credit associations (roscas): The Indonesia household case." Journal of Developing Areas 49, no. 3 (2015): 205–16. http://dx.doi.org/10.1353/jda.2015.0151.

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28

Chiteji, N. S. "Promises kept: enforcement and the role of rotating savings and credit associations in an economy." Journal of International Development 14, no. 4 (2002): 393–411. http://dx.doi.org/10.1002/jid.847.

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29

Sedai, Ashish Kumar, Ramaa Vasudevan, and Anita Alves Pena. "Friends and benefits? Endogenous rotating savings and credit associations as alternative for women’s empowerment in India." World Development 145 (September 2021): 105515. http://dx.doi.org/10.1016/j.worlddev.2021.105515.

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30

Koike, Shimpei, Mayuko Nakamaru, Tokinao Otaka, Hajime Shimao, Ken-Ichi Shimomura, and Takehiko Yamato. "Reciprocity and exclusion in informal financial institutions: An experimental study of rotating savings and credit associations." PLOS ONE 13, no. 8 (2018): e0202878. http://dx.doi.org/10.1371/journal.pone.0202878.

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31

Ikeokwu, Christian. "The Price of Anarchy in ROSCAS with Risk Averse Agents." Proceedings of the AAAI Conference on Artificial Intelligence 35, no. 18 (2021): 15964–65. http://dx.doi.org/10.1609/aaai.v35i18.17978.

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Rotating Savings and Credit Associations (Roscas) are a widely documented informal financial organization that is often used in low-income communities with limited funding sources. Roscas have been shown to serve as a tool for economic empowerment and a way of mitigating adverse shocks to income for vulnerable communities. In this paper, I describe my contributions to a research project in which we study the allocative efficiency of different Rosca structures and formats in the presence of risk-averse agents.

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32

Oh, Joong-Hwan. "Economic Incentive, Embeddedness, and Social Support: A Study of Korean-Owned Nail Salon Workers' Rotating Credit Associations." International Migration Review 41, no. 3 (2007): 623–55. http://dx.doi.org/10.1111/j.1747-7379.2007.00088.x.

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Much of the past research on rotating credit associations (RCAs) in the U.S. Korean community has been conducted in the context of Korean entrepreneurs' success in small businesses. By contrast, little has been known about the significance of RCAs in the lives of Korean immigrant workers. Based on a sample of Korean female workers at Korean-owned nail salons in the New York–New Jersey area, the first aim of this study is to address whether Korean immigrant workers, like Korean immigrant merchants, take into account RCAs as a way to save money or raise capital. Second, this study also speculate

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33

Ke, Rongzhu, and Min Ye. "The Practice of Rotating Saving and Credit Associations and Interest Rate Liberalization—A Case Study of Wenzhou." Chinese Economy 52, no. 2 (2019): 155–70. http://dx.doi.org/10.1080/10971475.2018.1545355.

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34

Yimer, Gebreyesus Abegaz, Wim Decock, Mehreteab Ghebremeskel Ghebregergs, Gebrehiwot Hadush Abera, and Gidey Seyoum Halibo. "The interplay between official and unofficial laws in rotating savings and credit associations (Eqqub) in Tigray, Ethiopia." Journal of Legal Pluralism and Unofficial Law 50, no. 1 (2018): 94–113. http://dx.doi.org/10.1080/07329113.2017.1407525.

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35

Heald, Suzette. "Mafias in Africa: the rise of drinking companies and vigilante groups in Bugisu District, Uganda." Africa 56, no. 4 (1986): 446–67. http://dx.doi.org/10.2307/1160000.

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Opening ParagraphThis paper describes the emergence during the 1960s of two forms of neighbourhood organisation, drinking companies and vigilante groups, in Bugisu District in eastern Uganda. The main interest of these groups is that they were both explicit responses to a perceived state of anarchy and lawlessness. The drinking companies evolved to control the most popular, and the most dangerous, social activity: the drinking of beer. They were essentially voluntary associations which developed into forms of rotating credit association. The vigilantes, as a self-appointed police force, tackle

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36

Ardener, Shirley. "Microcredit, money transfers, women, and the Cameroon diaspora." Afrika Focus 23, no. 2 (2010): 11–24. http://dx.doi.org/10.1163/2031356x-02302004.

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The paper introduces the topic of Rotating Savings and Credit Associations (ROSCAs) and several other forms of microcredit institutions, variations of which are found in most communities around the world, and considers the impact on them of the current financial crisis. For many women and men, poor and wealthy alike, these institutions have been economic and social lifelines. Among many African peoples, they provide the main source of rural and urban credit, both for sustainable living and entrepreneurial endeavour. This paper draws on the experience of contemporary Cameroonians, including tho

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37

Aliero, Ibrahim Hussaini. "An Analytical Review on the Concept , Financial Practices and Shari'ah Compatibility of Rotating Savings and Credit Associations (ROSCAs)." Journal of Islamic Economics Banking and Finance 10, no. 3 (2014): 129–42. http://dx.doi.org/10.12816/0029045.

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38

Benda, C. "Community rotating savings and credit associations as an agent of well-being: a case study from northern Rwanda." Community Development Journal 48, no. 2 (2012): 232–47. http://dx.doi.org/10.1093/cdj/bss039.

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39

Fessler, Daniel M. T. "Windfall and Socially Distributed Willpower: The Psychocultural Dynamics of Rotating Savings and Credit Associations in a Bengkulu Village." Ethos 30, no. 1-2 (2002): 25–48. http://dx.doi.org/10.1525/eth.2002.30.1-2.25.

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40

Abebe, Rediet, Adam Eck, Christian Ikeokwu, and Sam Taggart. "An Algorithmic Introduction to Savings Circles." Proceedings of the AAAI Conference on Artificial Intelligence 36, no. 5 (2022): 4744–51. http://dx.doi.org/10.1609/aaai.v36i5.20400.

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Rotating savings and credit associations (roscas) are informal financial organizations common in settings where communities have reduced access to formal financial institutions. In a rosca, a fixed group of participants regularly contribute sums of money to a pot. This pot is then allocated periodically using lottery, aftermarket, or auction mechanisms. Roscas are empirically well-studied in economics. They are, however, challenging to study theoretically due to their dynamic nature. Typical economic analyses of roscas stop at coarse ordinal welfare comparisons to other credit allocation mecha

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41

Wardhono, Adhitya, and M. Abd Nasir. "Do Household Financial Behaviors affect Poverty in Indonesia?: Evidence from Indonesian Family Life Survey." Jurnal Ekonomi dan Studi Pembangunan 14, no. 1 (2022): 15. http://dx.doi.org/10.17977/um002v14i12022p015.

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Poverty is a multidimensional phenomenon that can be measured by variety of approaches. The measurements of poverty based on consumption levels are not sufficient to explain various shortcomings faced by the poor. Household financial behavior that tends to be dynamic will indirectly affect household income patterns. Using data from the Indonesian Family Life Survey (IFLS) wave 5, this study aimed to identify the impact of household financial behavior on poverty in Indonesia. The results of analysis using Tobit Regression showed that the levels of financial vulnerability, financial literacy, ed

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42

Brown, Adam, Steve Garguilo, and Khanjan Mehta. "The Relentless Pursuit of Financial Capital for Micro-enterprises: Importance of Trust and Social Capital." International Journal for Service Learning in Engineering, Humanitarian Engineering and Social Entrepreneurship 6, no. 2 (2011): 78–97. http://dx.doi.org/10.24908/ijsle.v6i2.3660.

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In developing countries, prospective entrepreneurs struggle with getting access to financial capital to start small businesses. Formal lending sometimes works for solidarity groups of small business owners who approach microfinance institutions (MFIs) to access capital for expanding their businesses, but MFIs do not typically lend money to entrepreneurs interested in starting new businesses. In order to create an environment where startup business and entrepreneurship thrives, it is crucial to meet the needs of the marginalized entrepreneurs. As a response to this trend, the informal lending a

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43

Dinç, Yusuf, Rashed Jahangir, Ruslan Nagayev, and Fahrettin Çakır. "Economics of savings-based finance: an interest-free model of rotating savings and credit association in Turkey." Journal of Islamic Accounting and Business Research 13, no. 2 (2021): 338–63. http://dx.doi.org/10.1108/jiabr-04-2021-0115.

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Purpose The emerging markets have been witnessing a remarkable revival of rotating savings and credit associations (ROSCAs) serving as alternative informal financing and investment platforms, also known as savings-based finance (SBF) in Turkey. The purpose of this study is to present the SBF model mathematically, analyse the performance of the SBF sector and propose a new Sharīʿah-compliant SBF model for the acquisition of durables. Design/methodology/approach The paper thoroughly reviews the concept and practice of ROSCA across the globe, mathematically models and empirically analyses the per

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44

Lukwa, Akim Tafadzwa, Feyisayo Odunitan-Wayas, Estelle Victoria Lambert, and Olufunke A. Alaba. "Can Informal Savings Groups Promote Food Security and Social, Economic and Health Transformations, Especially among Women in Urban Sub-Saharan Africa: A Narrative Systematic Review." Sustainability 14, no. 6 (2022): 3153. http://dx.doi.org/10.3390/su14063153.

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This narrative review aimed to identify if roles of common informal savings groups known as Accumulating Savings and Credit Associations (ASCAs) or Rotating Savings and Credit Associations (ROSCAs) can play a significant role in mitigating food insecurity, socioeconomic inequality, promoting health, and/or increasing agency in women in urban sub-Saharan Africa (SSA). These organizations exist in most low- and middle-income countries (LMICs) worldwide under various names. A comprehensive search of scholarly outputs across six electronic databases (Pub-Med, Google Scholar, EBSCOhost, Scopus, Sab

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45

Nugroho, Agus Eko. "The Pro-poor Policy of Microfinance in Indonesia." Gadjah Mada International Journal of Business 11, no. 3 (2009): 317. http://dx.doi.org/10.22146/gamaijb.5523.

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This paper discusses and proposes the policy issues associated with the development of microfinance industry in Indonesia. Despite its capability of financing small-scale businesses, the development of the microfinance industry is far behind that of commercial banks. The policy focus on developing sound financial practices of microbanks has ignored the role of semi-formal and informal microfinance institutions (MFIs) in serving poor people. Compliance with the sound banking practices could inevitably drive microbanks away from serving the poor. Regarding the capability of informal and semi-for

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46

Kiiza (PhD), Barnabas, and George Omiat (PhD). "The Impact of Access to Finance on Household Welfare: Revisiting the Evidence from Uganda." International Journal of Accounting and Finance Studies 5, no. 1 (2022): p1. http://dx.doi.org/10.22158/ijafs.v5n1p1.

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Our paper highlights the role played by semiformal financial institutions in the livelihoods of Ugandan households that are not served by the commercial banks and microfinance institutions. Data from Living Standards Measurement Survey 2018 Uganda are used. We employ Propensity Score Matching and complement this with the two-step IV Treatment Effects method. We compare the effect of access to services from banks, Village Savings and Loans Associations, Rotating Savings and Credit Associations, and Savings and Credit Cooperatives on household welfare. We find a positive and statistically signif

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47

Buijs, Gina. "Savings and loan clubs: Risky ventures or good business practice? A study of the importance of rotating savings and credit associations for poor women." Development Southern Africa 15, no. 1 (1998): 55–65. http://dx.doi.org/10.1080/03768359808439995.

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48

Heron, Cyril. "How to Sue an Asue? Closing the Racial Wealth Gap Through the Transplantation of a Cultural Institution." Michigan Journal of Race & Law, no. 26.1 (2020): 171. http://dx.doi.org/10.36643/mjrl.26.1.how.

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Asues, academically known as Rotating Savings and Credit Associations (or ROSCAs for short), are informal cultural institutions that are prominent in developing countries across the globe. Their utilization in those countries provide rural and ostracized communities with a means to save money and invest in the community simultaneously. Adoption of the asue into the United States could serve as the foundation by which to close the racial wealth gap. Notwithstanding the benefits, wholesale adoption of any asue model runs the risk of cultural rejection because the institution is foreign to the Af

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49

Yusuf, Noah, Gafar T. Ijaiya, and Muftau A. Ijaiya. "Informal Financial Institutions and Poverty Reduction in the Informal Sector of Offa Town, Kwara State: A Case Study of Rotating Savings and Credit Associations (ROSCAs)." Journal of Social Sciences 20, no. 1 (2009): 71–81. http://dx.doi.org/10.1080/09718923.2009.11892724.

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50

Yusuf, Noah, Gafar T. Ijaiya, and Muftau A. Ijaiya. "Informal Financial Institutions and Poverty Reduction in the Informal Sector of Offa Town, Kwara State: A Case Study of Rotating Savings and Credit Associations (ROSCAs)." Journal of Social Sciences 21, no. 3 (2009): 231–34. http://dx.doi.org/10.1080/09718923.2009.11892776.

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