‘Altın Günü’: migrant women’s social protection networks

Although there is an increasing interest in the role of personal networks in migrants’ social protection, they are usually either treated as ‘given’ or the ‘second-best’ option for protection against social risks such as poverty. Altın Günü (The Day of Gold) is a specific form of Turkish women’s networks functioning as a type of rotating savings and credit association promoting both savings and make financial capital available to its members with trustworthy relationships. It is exclusive to women with rather selective membership based on ethnicity, class, marital and migrant status. Although it is common practice in Turkey, it is widely neglected as a specific form of social protection once it is practiced after migration. Migrant women were already familiar with the concept and practice of Altın Günü and they have adapted to Germany shaped by their needs, obligations, and location. Drawing on qualitative interviews and participant observation among Turkish immigrant women in Germany, this article offers an in-depth analysis of such personal protective networks. In so doing, this article not only addresses the ways in which informal lending circles of migrant women are formed and utilized, but also highlights the processes of hierarchization of membership and redistribution of valuable resources within and across borders.