Microfinance Debt and Over Indebtedness Juggling with Money 1st Edition by Isabelle Guérin, Magdalena Villarreal, Solene Morvant Roux ISBN 0415835259 978-0415835251

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Product details: 

ISBN 10:  0415835259 

ISBN 13: 978-0415835251

Author: Isabelle Guérin, Magdalena Villarreal, Solene Morvant-Roux

Although microcredit programmes have long been considered efficient development tools, many forms of debt-induced distress have emerged in their wake. This has brought to light the problem of over-indebtedness, a topic which has been previously underexplored in the literature.

This new book, from a group of leading scholars, explores the manifestations, scale, and economic and social implications of household over-indebtedness in areas conventionally considered as financially excluded. The book approaches debt not only as a financial transaction, but also as a form of social bond, and offers a socioeconomic analysis of over-indebtedness.

The volume puts forward a broad definition of over-indebtedness, highlighting its situational and semantic complexity and diversity. It provides a close analysis of local conceptions of debt and over-indebtedness, highlighting frameworks of calculation and the constant renegotiation of their boundaries. On top of this, it looks far beyond microcredit to examine all the financial practices that individuals juggle. The volume argues that over-indebtedness has more to do with social inequalities than financial illiteracy, and should therefore be understood in the light of global trends of financialization. It also reveals the ambiguity of “financial inclusion” policies, and in many respects questions the actions of new credit providers.

This book will be valuable reading for students, researchers and policy makers interested in microfinance and development issues.

Table of contents: 

1. Introduction
       Isabelle Guérin, Solène Morvant-Roux, and Magdalena Villarreal

2. Household Over-Indebtedness in Northern and Southern Countries: A Macro-Perspective
       Jean-Michel Servet and Hadrien Saiag

3. Indebted Mexicans in the Californian Mortgage Crisis
       Magdalena Villarreal

4. Debt, Over-Indebtedness and Wellbeing: An Exploration
       Susan Johnson

5. Why Do the Poor Pay More for Their Credit? A French Case Study
       Hélène Ducourant

6. Debt, Credit and Contractual Synchrony in a South-Indian Market Town
       Barbara Harriss-White

7. The Social Meaning of Over-Indebtedness and Creditworthiness in the Context of Poor Rural South Indian Households (Tamil Nadu)
       Isabelle Guérin, Marc Roesch, G. Venkatasubramanian, and K. S. Santosh Kumar

8. Protection and Over-Indebtedness in Rural South India: The Case of Labour Migrants of Andhra Pradesh
       David Picherit

9. International Migration and Over-Indebtedness in Rural Mexico
       Solène Morvant-Roux

10. Multiplying Debt and Dependence: Gender Strategies and the Social Risks of Financial Inclusion in Western Mexico
        Francesco Zanotelli

11. Does Juggling Mean Struggling? Insights into the Financial Practices of Rural Households in Madagascar
        Betty Wampfler, Emmanuelle Bouquet, and Eliane Ralison

12. The Social Costs of Microfinance and Over-Indebtedness for Women
        Lourdes Angulo Salazar

13. The Commercialization of Microcredits and Local Consumerism: Examples of Over-Indebtedness from Indigenous Mexico
        Agata Hummel

14. Mortgaging Used Sari-Skirts, Spear-Heading Resistance: Narratives from the Microfinance Repayment Standoff in a South Indian Town, 2008–2010
        Nithya Joseph

15. Conclusion
        Isabelle Guérin, Solène Morvant-Roux, and Magdalena Villarreal

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Tags: Isabelle Guérin, Magdalena Villarreal, Solene Morvant Roux, Microfinance Debt, Over Indebtedness