Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)

This paper considers the way in which the financial practices of informal workers changed during the Kirchner governments (2003-2015). In this period, popular economy workers massively accessed to consumer credit, as a consequence of their incorporation into the social protection system and the part...

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Autor principal: Saiag, Hadrien
Formato: Artículo publishedVersion Artículo evaluado por pares
Lenguaje:Español
Publicado: Instituto de Ciencias Antropológicas, Facultad de Filosofía y Letras, UBA 2020
Materias:
Consumption
Debt
Financial exploitation
Popular economy
Temporalities
Consumo
Deuda
Explotación financiera
Economía popular
Temporalidades
Dívida
Exploração financeira
Economia popular
Acceso en línea:https://revistascientificas.filo.uba.ar/index.php/CAS/article/view/8239
https://repositoriouba.sisbi.uba.ar/gsdl/cgi-bin/library.cgi?a=d&c=cantropo&d=8239_oai
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Repositorio Digital de la Universidad de Buenos Aires (UBA) de Universidad de Buenos Aires
id I28-R145-8239_oai
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spelling I28-R145-8239_oai2025-11-17 Saiag, Hadrien 2020-07-11 This paper considers the way in which the financial practices of informal workers changed during the Kirchner governments (2003-2015). In this period, popular economy workers massively accessed to consumer credit, as a consequence of their incorporation into the social protection system and the partial formalisation of precarious jobs. Workers experienced this change in an ambivalent way: while accessing to consumer credit is considered an element of social inclusion, it also exposes workers to a new form of exploitation, based on the discrepancy between the (monthly based) time of finance and the (erratic) time of work, that tend to exacerbate inequalities. In order to include without exploiting, it is thus necessary to connect finance with social rights. Este artículo analiza las transformaciones de las prácticas financieras de los sectores populares del cordón industrial rosarino durante los gobiernos kirchneristas. En este periodo, los trabajadores de la economía popular accedieron por primera vez al crédito al consumo de forma masiva, como consecuencia de su incorporación al sistema de protección social y de la formalización parcial de trabajos precarios. Los trabajadores percibieron esta transformación de forma ambivalente: por un lado, el acceso a dicho crédito significó una forma de inclusión para quienes no habían tenido acceso a este por falta de ingresos estables; por otro lado, expuso a los trabajadores de la economía popular a una nueva forma de explotación basada en el desfasaje temporal entre las finanzas y el trabajo precario, que agudizó las estratificaciones vigentes dentro de los sectores populares. Para incluir sin explotar, resulta imprescindible vincular finanzas y derechos. Este artigo analisa as transformações nas práticas financeiras dos setores populares da cintura industrial de Rosário durante os governos Kirchneristas. Durante este período, os trabalhadores da economia popular tiveram pela primeira vez acesso ao crédito ao consumo em grande escala, como resultado da sua incorporação ao sistema de proteção social e da formalização parcial dos empregos precários. Os trabalhadores perceberam esta transformação de forma ambivalente: por um lado, o acesso a esse crédito significava uma forma de inclusão para aqueles que não tinham tido acesso a ele devido à falta de rendimentos estáveis; pelo outro, expus aos trabalhadores da economia popular a uma nova forma de exploração baseada no defasagem temporário entre o financiamento e o trabalho precário, o que agravou as estratificações presentes no seio dos sectores populares. Para incluir sem explorar, é essencial vincular financiamento e direitos. text/html application/pdf https://revistascientificas.filo.uba.ar/index.php/CAS/article/view/8239 10.34096/cas.i51.8239 spa Instituto de Ciencias Antropológicas, Facultad de Filosofía y Letras, UBA https://revistascientificas.filo.uba.ar/index.php/CAS/article/view/8239/7196 https://revistascientificas.filo.uba.ar/index.php/CAS/article/view/8239/7402 Cuadernos de antropología social; Núm. 51 (2020): Perspectivas antropológicas sobre las formas de ganarse la vida: diálogos entre el Norte y el Sur Global 1850-275X 0327-3776 Consumption Debt Financial exploitation Popular economy Temporalities Consumo Deuda Explotación financiera Economía popular Temporalidades Consumo Dívida Exploração financeira Economia popular Temporalidades Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015) El crédito al consumo en los sectores populares argentinos: Entre inclusión y explotación (Rosario, 2009-2015) Credito ao consumo nos setores populares argentinos: Entra a inclusão e a exploração (Rosario, 2009-2015) info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Artículo evaluado por pares https://repositoriouba.sisbi.uba.ar/gsdl/cgi-bin/library.cgi?a=d&c=cantropo&d=8239_oai
institution Universidad de Buenos Aires
institution_str I-28
repository_str R-145
collection Repositorio Digital de la Universidad de Buenos Aires (UBA)
language Español
orig_language_str_mv spa
topic Consumption
Debt
Financial exploitation
Popular economy
Temporalities
Consumo
Deuda
Explotación financiera
Economía popular
Temporalidades
Consumo
Dívida
Exploração financeira
Economia popular
Temporalidades
spellingShingle Consumption
Debt
Financial exploitation
Popular economy
Temporalities
Consumo
Deuda
Explotación financiera
Economía popular
Temporalidades
Consumo
Dívida
Exploração financeira
Economia popular
Temporalidades
Saiag, Hadrien
Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)
topic_facet Consumption
Debt
Financial exploitation
Popular economy
Temporalities
Consumo
Deuda
Explotación financiera
Economía popular
Temporalidades
Consumo
Dívida
Exploração financeira
Economia popular
Temporalidades
description This paper considers the way in which the financial practices of informal workers changed during the Kirchner governments (2003-2015). In this period, popular economy workers massively accessed to consumer credit, as a consequence of their incorporation into the social protection system and the partial formalisation of precarious jobs. Workers experienced this change in an ambivalent way: while accessing to consumer credit is considered an element of social inclusion, it also exposes workers to a new form of exploitation, based on the discrepancy between the (monthly based) time of finance and the (erratic) time of work, that tend to exacerbate inequalities. In order to include without exploiting, it is thus necessary to connect finance with social rights.
format Artículo
publishedVersion
Artículo evaluado por pares
author Saiag, Hadrien
author_facet Saiag, Hadrien
author_sort Saiag, Hadrien
title Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)
title_short Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)
title_full Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)
title_fullStr Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)
title_full_unstemmed Consumer credit among the Argentinean working class: Between inclusion and exploitation (Rosario, 2009-2015)
title_sort consumer credit among the argentinean working class: between inclusion and exploitation (rosario, 2009-2015)
publisher Instituto de Ciencias Antropológicas, Facultad de Filosofía y Letras, UBA
publishDate 2020
url https://revistascientificas.filo.uba.ar/index.php/CAS/article/view/8239
https://repositoriouba.sisbi.uba.ar/gsdl/cgi-bin/library.cgi?a=d&c=cantropo&d=8239_oai
work_keys_str_mv AT saiaghadrien consumercreditamongtheargentineanworkingclassbetweeninclusionandexploitationrosario20092015
AT saiaghadrien elcreditoalconsumoenlossectorespopularesargentinosentreinclusionyexplotacionrosario20092015
AT saiaghadrien creditoaoconsumonossetorespopularesargentinosentraainclusaoeaexploracaorosario20092015
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