By Isabelle Guérin, Solène Morvant-Roux, Magdalena Villarreal
ISBN-10: 0415835259
ISBN-13: 9780415835251
Although microcredit programmes have lengthy been thought of effective improvement instruments, many sorts of debt-induced misery have emerged of their wake. This has dropped at mild the matter of over-indebtedness, a subject matter which has been formerly underexplored within the literature.
This new publication, from a bunch of major students, explores the manifestations, scale, and fiscal and social implications of family over-indebtedness in parts conventionally regarded as financially excluded. The ebook methods debt not just as a monetary transaction, but in addition as a sort of social bond, and provides a socioeconomic research of over-indebtedness.
The quantity places ahead a huge definition of over-indebtedness, highlighting its situational and semantic complexity and variety. It offers an in depth research of neighborhood conceptions of debt and over-indebtedness, highlighting frameworks of calculation and the consistent renegotiation in their barriers. On best of this, it appears some distance past microcredit to envision all of the monetary practices that people juggle. the quantity argues that over-indebtedness has extra to do with social inequalities than monetary illiteracy, and will as a result be understood within the mild of worldwide tendencies of financialization. It additionally unearths the anomaly of "financial inclusion" rules, and in lots of respects questions the activities of latest credits providers.
This e-book can be worthwhile analyzing for college students, researchers and coverage makers attracted to microfinance and improvement issues.
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Extra resources for Microfinance, Debt and Over-Indebtedness: Juggling with Money
Example text
They seek to advance or hold on to particular individual and group identities. They are part of a variety of entitlement and obligation networks that they may seek to reinforce, appease or flee. Calculations serve multiple – and often conflicting – purposes. These may be making ends meet, respecting social structures, positioning oneself in local social networks and hierarchies, or asserting or attempting to assert one’s individuality. Financial ties are central to these processes because of their social meaning.
OECD (2005) Improving Financial Literacy: Analysis of Issues and Policies, Paris: OECD. OECD/World Bank/DFID/CGAP (2009) The Case for Financial Literacy in Developing Countries Promoting Access to Finance by Empowering Consumers, Washington: OECD/World Bank/DFID/CGAP. Peebles, G. (2010) ‘The anthropology of credit and debt’, Annual Review of Anthropology, 39: 225–240. Porter, K. M. and Thorne, D. (2006) ‘The failure of bankruptcy’s fresh start’, Cornell Law Review, 92: 67–128. Prahakad, C. K. (2004) The Fortune at the Bottom of the Pyramid: Eradicating Poverty Through Profits, Wharton School Publishing.
They stem from social interactions and are thus embedded in individuals’ social positions, particularly in terms of class, caste, gender and ethnicity (Chapters 2, 3 and 10; see also Villarreal 2009). The chapters all highlight the specific frameworks of calculation that people resort to when dealing with money and debt and the prevalence and sophistication of ‘juggling’ practices. Juggling literally involves throwing, catching, and keeping several things in the air at once, demanding speed and dexterity, but also risk-taking.