Definition Universitetet i Begen Universitetet i Bergen定义universitetet我卑尔根universitetet我卑尔根.docVIP
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Definition Universitetet i Begen Universitetet i Bergen定义universitetet我卑尔根universitetet我卑尔根
Role of the microcredit in developing countries with focus in Roscas: the microcredit organization with a rotative insurance in Cameron
Francesca Perolari
H.H.H.Bergen
Spring 2002
INDEX
DEFINITION 1
ORIGIN AND DIFFUSION OF THIS PHENOMENOUS 2
SUBJECTS 4
THE STRUCTURE 5
THE MEMBER CONTRIBUTION 6
CASH DESCRIPTION 6
THE ALLOCATION SYSTEM OF THE FUND 7
USE THE FUNDS 10
CONCLUSION 11
BIBLIOGRAFY 12
DEFINITION
Tontines,in French, or ROSCA In English are the Returning of Saving and Credit Association . In this paper they are used to speak about the same phenomenon.
Now we give some definitions made by people involved in this phenomenon to understanding better what we are speaking.
“A Rosca is an association consisting of a group of people. These people make arrangement to give money in the same cash giving, a whole or in part, to each of participant in rotation way.”
“ A Rosca are associations consisting of a people with the same social level willing and periodical give some fixed or variable amount of money in a fond (it is called pot, pool or hand), assignment to each member in rotation way through a lottery (RANDOM Rosca), auction (BIDDING Rosca), or in according of a different needs of participant. (Njeunga, 1995)
“A Rosca is a voluntaries group making arrangement to contribute in financial way by a fixed terms, to create a found giving that other persons in according fixed criteria.(Calomiris,1998)”
“A Rosca is men and women association gathering in fixed days when a found is given to each of participant. The found is making by a fixed or variable contribute of each member of association”(Chavas,1995)
“A Rosca are informal association founded by homogenous criteria and honor word. Its purpose is to encourage all solidarity action among member or to build periodical a financial informal and closed market given the opportunity to own member to deposit and obtain credit. This is a rotation system.” (Nzemen 1998)
A Rosca are informal association, groups of people livin
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