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A tanda is the Latin American term for an informal rotating savings and credit association (ROSCAS). They are operated globally, but have over 200 different names that vary from country to country. They are also known as ''cundinas'' (Mexico), ''susu/Osusu'' (West Africa and the Caribbean), ''hui'' (Asia), ''juntas'' (Peru), ''pandeiros'' (Brazil) or ''quiniela''. An English name for such an association is a partnerhand. In short, a tanda is a form of a short-term no-interest loan among friends.〔 A tanda may be managed in different ways. The way it usually works is a group of people that know each other get together to collect money (either weekly, monthly, yearly) to help each other financially. Participants can come up with any rules as long as they benefit the group. Usually there is an amount of money and number of people in the group that they all agree to in order to have cash right away. When they come to an agreement of who will be in the tanda and how much it will be (either weekly, monthly, yearly), they have to come up with the order of whom is going to receive the money. Participants can either raffle the numbers or make the decision in who needs the money most. It all depends on the group's decisions.〔 As an example, a tanda is formed between ten friends and family. Each member gives US$100 every two weeks to the group's organizer. At the end of the month, one participant gets the "pot", $2000. This continues until each member has received the pot.〔 Tandas are formed for many reasons, but often because at least one member is in need of money to pay a debt right away, or an emergency arises. But they can also be formed with no pressing financial obligations. Among Mexicans, these forms of informal savings associations play an important role sustaining the livelihood of many people living in both Mexico and the United States. Importantly, tandas are significant cultural practices among other Latino and Chicano populations in the U.S.〔(). ''The Anthropology of Money'' University of California, Irvine School of Social Sciences.〕 According to cultural anthropologist Carlos Veléz-Ibáñezthe first scholar to critically examine this cultural practice among Mexicanstandas are based on mutual trust, or ''confianza''.〔〔(Carlos Veléz-Ibáñez )〕 As Vélez-Ibáñez explains, ''confianza'' "shapes the expectations for relationships within broad networks of interpersonal links, in which intimacies, favors, goods, services, emotion, power, or information are exchanged".〔 While tandas may play important economic roles in the lives of people, they also serve important social and emotional functions in the everyday lives of people. According to anthropologist Lourdes Gutierrez Najera, tandas are common among Oaxacan migrants. For women, in particular, tandas facilitate social networks and makes them feel less isolated living in Los Angeles. As the women she quotes jokingly suggest, "the only reason women participate in tandas is for the gossip, otherwise it doesn't make sense." Consequently, participating in tanda gatherings make the separation from their hometown, Yalalag, more tolerable.〔Gutierrez Najera, "Hayándose", in eds. Gina Pérez, et al, ''Beyond el Barrio: Everyday Life in Latina/o America''. pp. 63–80.〕 Importantly, they also help migrants save money.〔 The younger generations created companies that modernized Tandas with online platforms. ==References== 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Tanda (association)」の詳細全文を読む スポンサード リンク
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