ROSCARotating Savings and Credit Association
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During these interviews Exumian people noted that The Bahamian ROSCA, called Asue, was and continues to be an essential aspect of how people work together to strengthen their communities and make them resilient.
Critical to the present analysis is the mother of Professor Purcell (one of the authors of that article) who provided the interpretative foundation for both analyses based on her knowledge as head of a Jamaican ROSCA (called there Partner).
For example, a ROSCA that runs on an annual cycle tends to involve 12 members.
Data from our survey shows that ROSCA and its variant Susu are regular activities among SAT clients, exhibiting the saving power of poor people, as indicated in Table 4.
The popularity of Susu and ROSCA is simply explained, and can be seen in the responses summarized in Table 5 to the question: "Why do you save with a Susu collector or with a ROSCA?
The study found three types of savings that clients undertook after joining the programme: compulsory group savings, voluntary group savings and saving with a Susu collector or a ROSCA.
Several variants of the ROSCA have been identified emphasizing the high flexibility of this informal saving method (Boumann, 1977; Aryeetey, 1995).
Social capital is a key element to belong to a ROSCA that encourages the fulfillment of the obligation (Von Pischke, 1992), and provides flexibility in case of unexpected needs (Adams and Canavesi, 1992; Anderson, Baland, and Moene, 2003).
Because regular contributions often do not represent a large nominal monetary amount, total savings on an individual basis in a ROSCA is relatively small.
En la evaluacion macroscopica de las roscas de los clavos intramedulares de las tibias tratadas y control, a los ocho dias de la evaluacion, no hubo adherencia de tejido sobre su superficie, permitiendo la visibilidad de las mismas, teniendo el clavo su color caracteristico.
A los 30, 60, 90 y 120 dias de evaluacion posteriores a las cirugias en 75% de las roscas de los clavos del grupo tratado y control se observo presencia de tejido con caracteristicas de tejido medular de coloracion rojisa amarillenta, que impedia ver el fondo de la misma y parcialmente su superficie, sugiriendo una posible adherencia de tejido.
Aunque las roscas (Figura 4) no presentan una uniformidad en cuanto a su tipo, se considera que la falla de los tornillos no es ocasionada por el tipo o acabado de la rosca.