坦达:一个非正式的金融实践在文化和财务管理的交叉点,墨西哥裔美国家庭的金融管理
Miguel Quiñones1, Tabitha Grier-Reed2
1Family Social Science, University of Minnesota, Minneapolis, MN USA.
Journal of family and economic issues
|June 26, 2023
概括
坦达斯 (Tandas) 是墨西哥裔美国人社区的非正式贷款圈,提供财务可访问性和文化福利. 这项研究强调了它们在家庭资源管理中的重要性,尽管存在感知风险.
科学领域:
- 社会学 社会学 社会学
- 经济学 经济学 经济学
- 文化研究 文化研究
背景情况:
- 坦达斯是墨西哥裔美国人社区普遍存在的非正式金融机制.
- 这些贷款圈对于家庭资源管理至关重要,但通常被传统的金融和文学所忽视.
- 现有的研究还不够充分地阐述了Tandas在金融策略中的作用和意义.
研究的目的:
- 探索参与tandas.背后的动机.
- 确定与tandas一起使用的互补的财务管理策略.
- 了解塔达斯对家庭财务目标和福祉的感知意义.
主要方法:
- 定性研究设计. 定性研究设计.
- 对美国中西部12名墨西哥裔美国人的深入调查.
- 半结构面试,收集关于田纳达参与和财务行为的数据.
主要成果:
- 参与者加入坦达的动机包括财务可及性和文化一致性.
- 坦达的参与者同时采用不同的金融策略.
- 参与者认为合作伙伴关系对财务目标和幸福有益,并承认相关风险.
结论:
- 坦达通过文化融合促进了家庭和个人财务目标的实现.
- 参与tandas增强了财务能力,特别是在管理经济和政治不确定性方面.
- 了解tandas提供了对文化基础的金融实践及其对福祉的影响的见解.
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