Margherita Datini as Dominican lay sister, painted 20 years after Francecso Datini - Portrait, 20 years after his death

Margherita's husband was among the wealthiest of the citizens of Prato, and attracted attention from the tax officers of Florence as well. He was not born to this wealth. He built it up over 40 years, and like many a self-made man took his money very seriously.

The roads, teeming with mercenary soldiers, were becoming less attractive channels for the money from trade. In the meantime, to pay her own army, the Republic of Florence was demanding more "voluntary loans", from her citizens. Francesco needed to call in his own debts and outstanding payments. John Padgett and Paul McLean point out that casa in Italian means not only a seat of business, but also a family. And a family was very widely defined as relatives, friends and servants all linked in the support of a common enterprise.
Nowhere is this mingling clearer than in Margherita's role as debt collector. We will all be familiar with the credit rating distinctions below. Ser Naldo is a lawyer, who often acts for Francesco as a debt collector himself. Michele, may be a tenant farmer who owes Francesco the market value of a portion of his harvest. If Francesco is asking for cash, instead of kind, which was increasingly the practice as city dwellers began to take over farming estates, Michele may have been in trouble. Independent farmers in the UK supplying dairy products to supermarket chains at prices below their production costs know exactly how Michele was feeling.

So Francesco to Margherita, April 3, 1397

There is nothing more to say about ser Naldo. You tell me that you have £4½ and he owed me £4½; take that which he gave you,…; but have him make a note of the rest, and tell him that you need it for expenses and that I will be there and will account for everything as needed.

 

As for Michele who had nothing, have him called for and tell him that this is no good way to behave; and likewise have Barzalone speak to him in such a way as you think suitable.

And Margherita, April 3, 1397

 

 

I have had Michele sought as much I can, and also I will tell Barzalone what my mind is on this matter that he speak to him in such a way as he thinks fit. (Michele in effect is not answering the telephone when the collection agency calls.)

 

And Francesco, April 4, 1397

 

 

There is nothing more to say about Michele, except that you continue to call for him in the time of my absence, and say to him: <<Francesco will be here in a few days and he will want to be paid everything, and he won’t want excuses; and therefore you would do yourself a favour to pay the money before he is here, since it will not look good to him that you have broken your word to me as you have.>> And so on as seems best to you.

And there you have it, a particularly painful combination of owing money, not to any old impersonal bank, but to the "family", in the person of monna Margherita herself. Not nice.

 

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