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FROM ITINERANT
TRADE TO
MONEYLENDING
IN THE ERA OF
FINANCIAL
INCLUSION
Households, Debts and Masculinity among
Calon Gypsies of Northeast Brazil
Martin Fotta
From Itinerant Trade to Moneylending in the Era
of Financial Inclusion
Martin Fotta
This Palgrave Macmillan imprint is published by the registered company Springer Nature Switzerland AG
The registered company address is: Gewerbestrasse 11, 6330 Cham, Switzerland
To Adriana
Acknowledgements
Over the years, the research for this book has been funded by a doctoral
fellowship from the EU’s Marie Skłodowska-Curie actions programme,
Wenner-Gren Foundation Dissertation Fieldwork Grant, and a research
fellowship from the Deutsche Forschungsgemeinschaft.
My thanks go to the many people who have contributed to this project
and to those who have kept me inspired.
Thanks to my parents, Ján Fotta and Nataša Fottová, for their concerns
about me.
Thanks to Orlando, Viviane, Kiko, Romero, Rogério Maluco, Paula,
Sara, Nelson, Adair, Paulo, Rita, Tiago, and Wiliam for letting me ask so
much about their lives. Thanks to Luciano, Malu, Marly, Ronald,
Ronaldo, and Rogério for the parties.
Thanks to Roger Sansi for his guidance as my thesis supervisor, and to
Frances Pine for having read the final version of the thesis thoroughly.
Thanks to Michael Stewart and Keith Hart for being critical thesis exam-
iners. Thanks to my colleagues at Goldsmiths for listening to my raw
ideas and to our teachers for their encouragement. Thanks to João de
Pina Cabral, Hans Peter Hahn, Annabel Bokern, and Daniel Margócsy
for their support over the years. Thanks to Cecilia McCallum for think-
ing of me as a decent anthropologist, to Edilson Teixeira for making me
take up jogging, to Elena Calvo-González for the laughs, and to Clarice
Costa Teixeira for the delicious food. Thanks to Juliana Campos, Jucelho
vii
viii Acknowledgements
Introduction: Consolidation of the Cigano Moneylending
Niche in the Early Twenty-First Century 1
ix
x Contents
Bibliography 225
Index 237
List of Figures
xi
xii List of Figures
When Gilson returned the following morning, the two agreed on the
20 per cent monthly interest and the Cigano told him that the money
would be ready in five days. In the meantime, however, Gilson managed
to defer one bank payment and no longer needed to borrow money. He
nevertheless came back on the agreed date in order to ‘talk to’ the Cigano
and to ‘thank him’, as ‘I did not know if I would ever need him again’.
‘I think [the Cigano] might even have been Orlando’, Gilson noted,
but added that he could not remember anymore.
Until a few months before our conversation, Orlando had lived in a
big house in Santaluz, but had since left the town. Still, he remained the
most well-known Cigano in the town, and many non-Gypsies thought of
him as the chefe (chief ) of Ciganos in the region. I never discovered
whether the man Gilson met was indeed Orlando, since Orlando, too,
was vague about it—as he has always been regarding his deals and clients.
Be that as it may, throughout the years whenever I witnessed Orlando
meeting Gilson randomly, whether in Santaluz or elsewhere, the former
would greet Gilson amicably with a big smile: ‘Hello, professor! How are
you today?’
* * *
But why would Gilson, a public employee who worked for both munici-
pal and state high schools and had a stable income, think he would ever
‘need’ Orlando? And how does Gilson’s understanding of Orlando’s use-
fulness relate to his view of, and entanglement with, other sources of
credit? And how do loans from a bank, a friend (amigo), or a Cigano
compare? In turn, how does Orlando’s moneymaking depend on being
recognised as a Cigano by people like Gilson and his friend? And how
does his life, and that of the Cigano community to which he belongs,
connect with lives of their non-Gypsy clients? These are some of the ques-
tions that this book will try to answer.
Orlando belongs to a population of Brazilian Romanies who call
themselves Calon and are popularly known as Ciganos (Gypsies). Calon
Ciganos have lived in Bahia since at least the end of the sixteenth century;
another significant population of Romanies in Brazil is that of the Roma,
Introduction: Consolidation of the Cigano Moneylending Niche… 3
primarily from Eastern Europe, who started arriving around the end of
the nineteenth century. Calon Ciganos have thus co-constituted the
Bahian social world for centuries, not only as stock figures of folklore and
popular imagination, but also as people who occupy specific economic
niches and who relate to other Bahians in particular ways. Indeed, the
ethnogenesis of Calon as a distinct Romani population is intimately tied
to the South Atlantic colonial and postcolonial history and the formation
of Brazilian society and economy.
Gilson, like other Santaluzans, recalled that in the past, Ciganos would
pass through the town and sometimes erect their tents next to the river
for longer or shorter periods of time. He also remembered them as clients
of his father, a dental technician who used to make gold teeth for Ciganos.
At that time, Calon Gypsies specialised as itinerant traders of animals.
Today, however, most live in houses and are recognised as moneylenders.
In many towns in the Bahian interior, if one knows where to look (and
what to look for), one can identify groups of Calon men standing on
squares or in front of banks in the morning, waiting for clients. As the
vignette above suggests, Cigano moneylending relies on such ready avail-
ability. At the same time, however, it also depends on the management of
ethnic distance: a non-Gypsy client might even feign not to remember
the details of his deals, even though he had returned to talk to the mon-
eylender and they remain on friendly terms.
By looking at how people like Orlando, a Cigano moneylender, and
Gilson, a non-Gypsy school teacher, connect through relations of mon-
etary debt, and by discussing the role that the Brazilian state has played
in this regime, the book speaks to those recent works that focus on ways
that the state-sponsored project of expanding credit provision, or finan-
cialisation, has impacted intimate relations and future aspirations (e.g.
James 2015; Schuster 2015). It describes how the community life of the
Calon in Bahia is reproduced through debt relations, and how the forg-
ing of distinct relations of debt and credit becomes an aspect of the pro-
cess through which people fabricate and maintain their lifeworlds (e.g.
Chu 2010; Han 2012). Specifically, it argues that the loans extended to
non-Gypsies or the production of deferred payments among Calon, as
well as the technologies of monetary management that are used in both,
while continuous with non-Gypsy practices, serve as tools to recreate
4 M. Fotta
2009; Tassi 2017). Its main contention is that the Calon niche represents
a specific form of integration into the market economy, what Chris
Gregory (2009) has termed a non-institutional householding. It is a kind
of householding that, unlike manorial or peasant householding, does not
gesture towards autarky, and because it is embedded in the dominant mar-
ket economy, it does not come with fixed and transcendent institutional
arrangements. Nevertheless, it comes with ethical principles, values, and
motives of its own as Martin Olivera (2016) has also shown for the Gabori
Romanies of Romania. Different kinds of exchanges constantly recreate
one’s social gendered position within one’s family and realise different
types of relatedness, producing distinctions between one’s family, enemies,
known Calon, other Ciganos, and Jurons, as Calon call non-Gypsies.
bank’ (2008: 144), while an article from the 2005 financial section of
Folha de São Paulo dubbed them ‘the bankers’ of the Bahian sertão (the
semi-arid hinterland).2 The article describes how for the agave farmers in
Valente, a town about 300 kilometres from where I did my fieldwork,
Ciganos represented an important source of credit, second only to the
agave merchants who owned storage spaces and organised crop transport.
The merchants paid against the future crop, thus financing the planting.
Other sources of credit—banks and a co-operative—were not popular;
the cooperative did not even spend the money allocated to it by the fed-
eral government. Dealing with Ciganos did not require any bureaucracy
of the farmers, although their interest rates were considered ‘high’—‘10
on every 100’ per month. The farmers knew that Ciganos could be found
on the main street, although many preferred to deal with them in the
evening when nobody could see them. In Valente, stories circulated about
those who ‘lost everything’ to Ciganos. These are quite common views, in
my experience.
While in the past Ciganos were seen primarily as ambulant traders of
animals and other goods, there are indications that in other periods and
places, they were also known to lend money on interest. A 1957 diction-
ary of slang from Rio de Janeiro (Viotti 1957) provides under the entry
cigano, among other, two definitions that refer to a moneylender—agiota
and onzeneiro. Onzeneiro is derived from onze (eleven)—a percentage of
an interest rate—and dates back to at least sixteenth-century Portugal.
Other synonyms in the dictionary—sovina (miser) and espertalhão (‘con-
fidence man’)—also point to a perception of Ciganos as people involved
with money and money speculation in a way that violates norms of
appropriate sociability. In Rio de Janeiro, evidence of Cigano moneylend-
ing indeed goes back further. José Rabello, a Cigano, was one of the city’s
richest inhabitants at the beginning of the nineteenth century; among
other things, he organised ‘Gypsy festivities’ for the Royal Court. Vivaldo
Coaracy (1965: 74) writes that ‘Rabello, who received a position in the
military, dedicated himself to financial and bank operations. In other
words, he was a prestamista. On interest, naturally.’ A rumour circulated
in Rio de Janeiro that Rabello had so many golden bricks hidden in his
house that the ceiling collapsed under their weight—a legend that ‘was
probably invented by some of his clients’, Coaracy concludes (ibid.). In
Introduction: Consolidation of the Cigano Moneylending Niche… 7
were sold on credit for up to ten years. And in a commentary to his paint-
ing Boutique de la rue du Valongo (1839), which depicts a Cigano trader
with a buyer from the state of Minas Gerais, the French painter Jacques
Debret discusses the difference between buying on credit and with cash:
‘[D]ue to the depreciation of paper money [papel moeda] over time the
price of a negro [bought on credit] becomes doubled, but the inhabitants
of São Paulo or Minas with ready cash [com dinheiro na mão], buy him
for the exchange rate of the day’ (Debret 1975: 190). In the eighteenth
century, on the other side of the Atlantic, bush traders in Angola—many
of whom were exiled Ciganos and Jews persecuted in Portugal and shut
out from other opportunities—accepted goods on credit from Portuguese
merchants in ports before going into the interior (Miller 1993: 126,
141).
This suggests that the emergence of the present-day Cigano money-
lending specialisation has its origins in a general economy of credit. In
this respect, it could be seen as a continuation and intensification of an
aspect of their activities which had previously been grouped under the
label of negócio, which was itself understood as form of usura. Until a few
decades ago, owing to a general cash shortage and the character of the
agricultural cycle—in which cash from selling crops alternated with a
lack of cash—the majority of animals in Bahia were bought and sold on
credit (fiado). The debt relations went in both directions: When Manuel,
a Calon man, died in 1985, his older sons paid his debts to a farmer from
whom Manuel had bought animals through fiado because they wanted to
continue dealing with him. This is also how an owner of both a small bus
company and a small farm (fazenda) near Santaluz, himself a client of a
few Calon, saw it: his family used to buy animals, mostly on credit, from
Ciganos who frequently camped on the family’s property, and this is how
they became agiotas over time.
The shift towards the core economic activity of today’s Calon men—
lending money on interest without any mediation by objects—is accom-
panied by a shift in the content of the prevalent image of Ciganos from
nomadic traders to agiotas who inhabit houses. Both must be seen in the
context of socio-economic changes. Measures that stabilised the currency
in the mid-1990s under the presidency of Fernando Henrique Cardoso,
followed by the policies under the Workers’ Party governments between
Introduction: Consolidation of the Cigano Moneylending Niche… 9
banks would not provide them with more credit. Gilson explained, ‘Only
financeiras [credit institutions and financial companies] lend to them.
And this is taken directly from their bank accounts. There is no way one
can avoid paying it. So it is much easier [to borrow from an agiota]’.
The point I want to make here is this: in order to understand the sta-
bilisation of the Cigano moneylending niche, we have to take into
account not only the history of Calon integration into the local Bahian
economy, but also the place of this ethnic credit institution within the
dense environment of monetary flows and credit modalities. This envi-
ronment has been radically reshaped in the last 15 years thanks to the
state-led expansion of financial services.
other credit from patrons, merchants, and agrarian syndicates; loans from
agiotas; cash and loans from communal institutions such as religious
cooperatives; money (cash or credit) from a variety of communal institu-
tions which go by the names of caixinhas, consórcios, bingos, balaidos, cam-
panhas, and so on. Within this universe, Ciganos are one source of credit
among many.
Although forms of credit differ—some involve two parties, others are
communitarian; some have existed for generations and some are new;
some are built on the ideology of personalised trust while others are
impersonal—most rely on, or take into account in one way or another,
the official financial infrastructure. Many credit modalities were created
by the state’s direct intervention in the financial market. Locally, these
stimulated new kinds of debts and specialisations. Official modalities of
credit and novel monetary flows also combined, influencing more cus-
tomary forms of credit and debt. Take, for instance, purchases that are
fiado (on trust), commonly practised with one’s local shop or merchant.
In the mid-twentieth century, American sociologist Donald Pierson
(1948: 98) noticed, in a town in the interior of the state of São Paulo, on
the wall of one bar ‘a piece of paper on which is printed, in pencil, in large
letters, the following verse’. In his translation:
Pierson observed that such posters against fiado were common and, as
a witness to the modernisation of the interior, he interpreted them as
‘[recent half-hearted] efforts to limit the amount of credit extended’
(ibid.). Sixty years later, however, shops in Santaluz still have posters
against fiado. Some are creative, while others, like the one in the bar São
Jorge where Gilson is a regular customer, are blunt: ‘Fiado suspended.’
And just like in Pierson’s era, shopkeepers invariably complain about it.
Indeed, these complaints strengthen the ideology of personalism. Similar
to the Haitian pratik (Mintz 1961), Bahian fiado, as an institution of
economic integration—through which, for instance, Ciganos bought
16 M. Fotta
their money discounted from their bank accounts, but they can also leave
pre-dated cheques or bankcards with agiotas. They also collaterise their
regular cash from the government informally. A friend of mine living in
Santaluz, a single mother who normally earns money doing odd cleaning
jobs, pawned her Bolsa Família card to agiota Galeguinho for a lump sum
of cash. On the date when she received the money, Galeguinho’s right-
hand man met her at a bank with her card, debited the whole grant,
discounted the instalment, and handed her the rest. The moneylender
kept the card until the principal was paid off—several months later than
she had originally planned. People who are better off are expected not
only to help their relatives and friends, but also to use their income as
capital in moneylending ventures. Still others can attempt to divert at
least some money from such arrangements, like Gilson’s amigos who were
hoping to get a commission or a cut on his deals: the first for arranging
the loan from a Cigano, the second for finding clients to whom Gilson
could lend money. Gilson had also served as a guarantor in a bank loan
to others. He only learnt that our common friend did not pay such a loan
when he found out that the daily limits on his credit card and cheque
especial9 were lowered. In all of this, his relatively high salary from the
state served as the ultimate collateral.
While navigating their ‘dense financial lives’ (Abramovay 2004),
whether they are searching for opportunities for gain or because they are
paying off non-negotiable debts, Bahians rely on various sources of credit.
Ciganos are an integral part of this distributional regime in which both
official and unofficial credit institutions increasingly tap into people’s
bank accounts or into at least partially formalised flows of money (James
2015). It is the changes of this regime that underpin the rise of a recogni-
sable Cigano niche. It is also here where the ambiguity of the current
popular view of Ciganos rests.
En los días sucesivos tuvo don Patricio los mismos deseos de salir
si bien, a excepción de una vez, no fueron tan ardientes; pero hubo
gritos, amenazas, volvió a funcionar el inocente palo y la carcelera a
desplegar las armas de su convincente piedad, de la graciosa entereza
que tan buenos efectos produjera el primer día. Horas enteras pasaba
el vagabundo patriota, corriendo de un ángulo a otro de la sala, como
enjaulada bestia, deteniéndose a veces para oír los ruidos de la calle
que a él le sonaban siempre como discursos, proclamas o himnos, y
poniéndose a cada rato el sombrero como para salir. Este acto de
cubrirse primero y descubrirse después, al caer en la cuenta de su
encierro, era gracioso, y excitaba la risa de su amable guardiana. En la
comida y cena mostrábase más manso, y se ponía con cierto orgullo
las prendas de vestir que Sola le arreglara. Desde la cabeza a los pies
cubríase con lo perteneciente al antiguo dueño de la casa, de cuya
adaptación no resultaba gran elegancia, a causa de la diferencia de
talle y estatura.
Por las noches daba a Soledad lección de escritura, poniendo en
ella tanto cuidado la discípula como el maestro. Él, particularmente
mostraba una prolijidad desusada, esmerándose en transmitir a su
alumna sus altos principios caligráficos, la primorosa maestría de
ejecución que poseía y de que estaba tan orgulloso.
—Desde que el mundo es mundo —decía observando los trazos
hechos por Soledad sobre el papel pautado—, no se han dado
lecciones con tanto esmero. Hanse reunido, para producir colosales
efectos, la disposición innata de la discípula y la destreza del maestro
Ahora bien, señora y carcelera mía: la justicia y el agradecimiento
piden que en pago de este beneficio me conceda usted la libertad, que
es mi elemento, mi vida, mi atmósfera.
—Bueno —respondió Sola—, cuando sepa escribir te abriré la
puerta, viejecillo bobo.
En los primeros días de noviembre estuvo muy tranquilo, apenas
dio señales de persistir en su diabólica manía, y se le vio reír y aun
modular entre dientes alegres cancioncillas; pero el 7 del mismo mes
llegaron a su encierro, no se sabe cómo (sin duda por el aguador o la
indiscreta criada), nuevas del suplicio de Riego, y entonces la
imaginación mal contenida de don Patricio perdió los estribos. Furioso
y desatinado, corría por toda la casa gritando:
—¡Esperad, verdugos, que allá voy yo también! No será él solo..
Esperad, hacedme un puesto en esa horca gloriosa... ¡Maldito sea e
que quiera arrancarme mis legítimos laureles!
Soledad tuvo miedo; mas sobreponiéndose a todo, logró contenerle
con no poco trabajo y riesgo, porque Sarmiento no cedía como antes a
la virtud del palo, ni oía razones, ni respetaba a la que había logrado
con su paciencia y dulzura tan gran dominio sobre él. Pero al fin
triunfaron las buenas artes de la celestial joven, y Sarmiento
acorralado en la sala, sin esperanzas de lograr su intento, hubo de
contentarse con desahogar su espíritu poniéndose de rodillas y
diciendo con voz sonora:
—¡Oh tú, el héroe más grande que han visto los siglos, patriarca de
la libertad, contempla desde el cielo donde moras esta alma atribulada
que no puede romper las ligaduras que le impiden seguirte! Preso
contra todo fuero y razón; víctima de una intriga, me veo imposibilitado
de compartir tu martirio, y con tu martirio tu galardón eterno. Y
vosotros, asesinos, venid aquí por mí si queréis. Gritaré hasta que mis
voces lleguen hasta vuestros perversos oídos. Soy Sarmiento, el digno
compañero de Riego, el único digno de morir con él; soy aque
Sarmiento cuya tonante elocuencia os ha confundido tantas veces; e
que no os ha ametrallado con balas, sino con razones; el que ha
destruido todos vuestros sofismas con la artillería resonante de su
palabra. Aquí estoy, matad la lengua de la libertad, así como habéis
matado el brazo. Vuestra obra no está completa mientras yo viva
porque mientras yo aliente se oirá mi voz por todas partes diciendo lo
que sois... Venid por mí. La horca está manca: falta en ella un cuerpo
No será efectivo el sacrificio sin mí. ¿No me conocéis, ciegos? Soy
Sarmiento, el famoso Sarmiento, el dueño de esa lengua de acero que
tanto os ha hecho rabiar... ¿No daríais algo por taparle la boca? Pues
aquí le tenéis... Venid pronto... El hombre terrible, la voz destructora de
tiranías, callará para siempre.
Todo aquel día estuvo insufrible en tal manera, que otra persona de
menos paciencia y sufrimiento que Solita le habría puesto en la calle
dejándole que siguiera su glorioso destino; pero se fue calmando, y un
sueño profundo durante la noche le puso en regular estado de
despejo. Habíale traído Soledad tabaco picado y librillos de papel para
que se entretuviese haciendo cigarrillos, y con esto y con limpiar la
jaula de un jilguero pasaba parte de la mañana. Sentándose después
junto a la huérfana mientras esta cosía, hablablan largo rato y
agradablemente de cosas diversas. Uno y otro contaban cosas
pasadas: Sarmiento sus bodas, la muerte de Refugio y la niñez de
Lucas; Sola su desgraciado viaje al reino de Valencia.
Continuaban las lecciones de escritura por las noches, y después
leía el anciano un libro de comedias antiguas que de la casa de
Cordero trajo Sola. Cuidaba esta de que en la vivienda no entrase
papel ninguno de política, y siempre que el anciano pedía noticias de
los sucesos públicos, se le contestaba con una amonestación
acompañada a veces de un ligero pellizco. Poco a poco iba
acomodándose el buen viejo a tal género de vida, y sus accesos de
tristeza o de rabia eran menos frecuentes cada día. Su carácter se
suavizaba por grados, desapareciendo de él lentamente las asperezas
ocasionadas por un fanatismo brutal, y la irritación y acritud que en é
produjera la gran enfermedad de la vida, que es la miseria. A las
ocupaciones no muy trabajosas de hacer cigarrillos y cuidar el pájaro
añadió Soledad otras que entretenían más a Sarmiento. Como no
carecía de habilidad de manos y había herramientas en la casa, todos
los muebles que tenían desperfectos y todas las sillas que claudicaban
recibieron compostura. En la cocina se pusieron vasares nuevos de
tablas; después nunca faltaba una percha que asegurar, una cortina
que suspender, lámpara que colgar, lámina que mudar de sitio o
madeja de algodón que devanar.
Llegó el invierno, y la sala se abrigaba todas las noches con
hermoso brasero de cisco bien pasado, en cuya tarima ponía los pies
el vagabundo, inclinándose sobre el rescoldo sin soltar de la mano la
badila. Era notable don Patricio en el arte de arreglar el brasero, y de
ello se preciaba. Su conocimiento de la temperatura teníale muy
orgulloso, y cuando el brasero empezaba a desempeñar sus