ARISAN ala Indonesia dipelajari secara khusus oleh antropolog dan dijadikan model yang diduplikasi ke seluruh dunia untuk micro-financing tanpa melibatkan bank... saya sendiri menyukai dan terlibat dalam arisan :) Selain arisan, koperasi juga menjadi alternatif micro-financing yang sangat menarik ROTATING CREDIT ASSOCIATIONS: DO WE NEED BANKS? The back cover photo shows women in Yogyakarta, Indonesia, engaged in an arisan, a rotating credit association, in 1983. When Ann Dunham, Barack Obamas mother, arrived in Jakarta in 1967 with the aim of researching microfinance in Indonesia, it was one of the local arisan she immediately joined. One woman is paying in while another keeps the records. Based on a lottery, each member receives a payout in turn. Arisan enable cash flow control and perform the savings and loan functions we tend to associate with banks and building societies, facilitating the purchase of almost anything ranging from a house, a motorbike to small items. The system is based on trust, where its members need to commit themselves to paying in until the last members have drawn their capital. Arisan serve many other roles too, and may be held purely for social reasons, facilitating regular meeting among family members, neighbours, housemates or workmates. Children participate in arisan early, learning how to collaborate harmoniously (gotong rojong) for small necessities such as pens and stationery. Anthropologists have long understood banks as institutions embedded within social relations. In this issue, Shirley Ardener addresses Archbishop Welbys call for the Anglican Church to outcompete payday loan companies charging excessive rates of interest at this time of austere family finances. She reminds us that anthropologists have long studied vernacular small-scale banking systems embedded in the communities they study. Based on mutual trust, rates of interest here, if charged at all, are never as excessive as todays payday loan companies, which may exceed 5,000 per cent per annum. onlinelibrary.wiley/doi/10.1111/1467-8322.12116/abstract
Posted on: Tue, 09 Sep 2014 08:54:15 +0000
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