Market women call a meeting of a savings and credit association in their spare moments inside the market.

(2)  Central to this study is an attempt to ascertain the impact of the monetary economy on the business practices of market women, which are based on local contexts and their own norms of value. Specifically, I examine: (1) the historical process of tightening and enforcement of business regulations by local authorities in an open-air market and women's responses to these regulations; and (2) the impact of micro-finance (MF), which was originally introduced by international aid agencies, on the voluntary associations organized in the market.
          In Kenya, most market traders selling agricultural products are women. They perform both business and social activities in the markets. The Kenyan Government has adopted Structural Adjustment Programs since the early 1980s, and local authorities have developed and enforced new policies to promote the distribution system for agricultural products and to encourage micro-scale enterprises. As a result, local market places rapidly came to be directly connected into the global economy.
          Machakos District, where I conducted my field research, bounds on Nairobi, the capital city of Kenya. It is inhabited by Kamba people (Akamba), whose livelihoods are based on agriculture. From the early 1990s, Machakos Municipality started relocating markets and setting regulations with regard to business hours, and began to collect fees and charges. It also attempted to make a clear distinction between wholesalers and retailers, with the aim of exerting control over and promoting products. However, some of the new regulations met with firm resistance from the market women, as they infringed on their ability to carry out income-generating activities. The strategies of resistance involved noncompliance and negotiations. For example, potato wholesalers conducted repeated negotiations with the Municipality concerning the size of their selling units. In response, the Municipality eventually made a number of concessions, making it easier for them to pursue their own business methods. This suggests that local authorities cannot one-sidedly force regulations onto businesses. The reciprocal relationship between the ruling authority and the ruled plays a critical role in establishing these regulations.