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When the savings period ends, the bank awards a loan to the account holder. The sum of the loan equals the saved amount—including state subsidy—and it is offered at a low, fixed rate of 6%. ) The loan can only be used for purchasing or repairing homes; after a long savings period (eight years) the law allows free use. 8 Similar to US thrifts (savings-and-loan companies), UK building societies, and Spanish savings banks, all of which had historically low fixed rates and a mandate to provide easier access to loans and/or to teach thriftiness to the poor.

Annual Review of Sociology 24, 312–43. Eymard-Duvernay, F. 1989. Conventions de qualité et formes de coordination. Revue économique 40, 329–60. —— Marchal, E. 1997. Façons de recruter: le jugement des compétences sur le marché du travail. Paris: Editions Métailié. Fiss, P. C. and Kennedy, M. T. 2007. Framing Markets. In: Proceedings of 23rd EGOS Colloquium 2007, sub-theme 36: Innovation and Institutions, Vienna, Austria. Fligstein, N. 2001. Social Skill and the Theory of Fields. Sociological Theory 19, 105–25.

Do Economists Make Markets? On the Performativity of Economics. Princeton: Princeton University Press. Marx, K. [1867] 1977. Das Kapital. Kritik der politischen Ökonomie, Vol. 1, 12 Auflage. Berlin: Dietz. Meyer, J. W. and Rowen, B. 1977. Institutionalized Organizations: Formal Structure as Myth and Ceremony. American Journal of Sociology 83, 340–63. Minard, P. 2011. Micro-economics of Quality and Social Construction of the Market: Disputes among the London Leather Trades in the Eighteenth Century.

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