Tag Archives: Finanzas domésticas

Consumer databases as practical accomplishments

[Nuevo artículo de Tomás Ariztía en Journal of Cultural Economy, ‘Consumer databases as practical accomplishments: the making of digital objects in three movements’]

‘Consumer databases as practical accomplishments: the making of digital objects in three movements’

Tomas Ariztia

Abstract

This paper aims to reflect on some key issues linked to the production of digital objects in business settings. In doing so, it problematizes current social science scholarship, which emphasizes the analysis of digital data and analytics, and reinforces the magnitude of its consequences and ‘data power’. The paper proposes making three corrective ‘movements’ that might enrich our approaches to how databases and analytics are assembled in business settings. The first movement involves the problem of ethnographic access to data-making practices. We propose taking seriously the issue of fabricating an ethnographic encounter where the process of making digital objects is exposed. The second movement concerns the visibility and the type of politics taking place in data practices. We argue for the need to displace attention from data impacts and results to the myriad of mundane practices and devices through which these objects are assembled. The third movement we suggest requires a focus on examining error and failure as key aspects of the manufacturing of consumer databases. Each of these movements is illustrated by ethnographic vignettes from a 9-month ethnographic experiment that involved participating in the first stages of the manufacturing of an online financial retail company’s consumer database. Continue reading

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Financiarisation et classes sociales

[Socioeco.hypotheses avisa de un nuevo número especial en Revue de la régulation que podrá ser de interés. Es un número sobre financialización y clases sociales, editado por Benjamin Lemoine y Quentin Ravelli. Entre otros trabajos, el número incluye el artículo de Alejandro Marambio ‘Narratives of Social Mobility in the Post-Industrial Working Class and the Use of Credit in Chilean Households’ y ‘L’exploitation financière des secteurs populaires argentins’ de Pablo Ignacio Chena & Alexandre Roig]

Revue de la régulation. Capitalisme, institutions, pouvoirs. Numéro 22 ‘Financiarisation et classes sociales’

Ce numéro est consultable librement à l’adresse suivante :

https://journals.openedition.org/regulation/12337

La présente livraison de la Revue de la Régulation propose un panorama de réflexions ancrées dans les transformations actuelles de nos sociétés. Son dossier thématique est intitulé « Financiarisation et classes sociales ». Coordonné par Benjamin Lemoine et Quentin Ravelli, il rassemble une série de contributions qui associent des approches sociologiques, économiques, historiques et empruntent aussi certaines analyses aux sciences politiques. Ces contributions s’intéressent aux effets du phénomène structurant qu’est la financiarisation sur la stratification socio-économique des populations.

Benjamin Lemoine et Quentin Ravelli. Financiarisation et classes sociales : introduction au dossier / Financialization and Social Class: an Introduction to this Issue. Continue reading

Reducing default rates, the wealth gap, and inequality in access to housing by lending pension funds

[En Chile se ha discutido algo sobre el problema de que los trabajadores están forzados a cotizar en los fondos de pensions (AFPs) y después tienen que tomar prestado ese dinero para vivir, gastando mucho en los altos intereses, especialmente de las tarjetas de crédito de grandes tiendas. ¿No sería posible buscar mecanismos para devolver ese dinero a las familias para que puedan acumular riqueza sin perder su pensión? Comparto en este post una idea al respecto, se agradecen de antemano los comentarios, así como sugerencias de posibles colaboradores para desarrollar más el argumento. La propuesta está escrita de modo traducible a varios países, incluso aquellos con sistema de reparto en las pensiones, como EEUU. Mi idea es seguir desarrollando el argumento para luego mandarlo al foro de alguna revista de vivienda y urbanismo para estimular el debate al respecto.]

Think about this paradox: Low-income families put money into the financial market as pension savings, and they pay interest and mortgage insurances to obtain those savings, or rent to landlords who access those savings. Basically, by having their savings locked until retirement, they contribute to capitalists’ accumulation while they cannot accumulate wealth. Or put this the other way around. Low- and middle-income families cannot accumulate wealth, among other reasons, because (a) they cannot afford a down-payment to buy a home and drain their income in their rent, without accumulation; (b) if they can buy a home, they pay high interests because they are considered risky; and (3) may lose their home by defaulting on their mortgage. Yet, they have often saved more money than they needed to get the loan, prevent the default, and make them less-risky subjects of credit. Is there a way to prevent this cycle of capitalist appropriation of wealth by renting other people’s money?

I want to propose a policy solution to this problem that, while apparently reformist, challenges a major pattern of capitalist accumulation in our financialized economy. Continue reading

Número especial Finanzas y sociedad, Revista Civitas

La Revista de Ciencias Sociales Civitas acaba de publicar un número especial sobre “finanza y sociedad” editado por las próceres de los estudios sociales de las finanzas en América Latina Lúcia Müller y Magdalena Villarreal. Además de la introducción de las editoras, el número se compone de ocho artículos con muchos contribuidores y amigos de este blog. Los artículos son:

  1. “Apresentação. Finanças e sociedade”, Lúcia Müller & Magdalena Villarreal
  2. “Aportes de la Economía Política internacional a la comprensión teórica de la relación entre el FMI y los países en desarrollo”. Pablo Nemiña
  3. “Sobre a universalidade de um conceito: existe uma financeirização da vida cotidiana na França?” Jeanne Lazarus
  4. “La financiarización de los hogares bajo el prisma de otras crisis”. Mariana Luzzi
  5. “Negociando la inclusión al mercado de consumo: los programas de transferencias condicionadas de dinero y el orden familiar”. Ariel Wilkis, Martin Hornes
  6. “Valoraciones y significaciones acerca del movimiento del dinero en una economía de consumo local”. Gerardo Enrique García Sepúlveda
  7. “Contabilidad en los márgenes: ecologías financieras entre big y small data”. José Ossandón, Tomás Ariztía, Macarena Barros, Camila Peralta
  8. “Los imaginarios de “inversores”, “mercados” y “valor” en la distribución del dinero por la industria financiera: un estudio de caso sobre los derivados de crédito”. Horacio Ortiz
  9. “A ressignificação da figura do especulador-investidor e as práticas de educação financeira”. Elaine da Silveira Leite

Acercamiento metodolólogico al estudio del dinero, las deudas y las prácticas financieras, M. Villarreal en UAH

El 9 de mayo a las 18:30 horas se llevará a cabo el conversatorio “Acercamiento metodolólogico al estudio del dinero, las deudas y las prácticas financieras” con Magdalena Villarreal. Magdalena es antropóloga social, coordinadora de postgrado del CIES Occidente de Guadalajara y ha coordinado los libros Microfinance, Debt and Overindebtedness: Juggling with Money (Londres: Routledge, 2013) Dilemas, debates y perspectivas: ciencias sociales y reflexividad (Guadalajara: CIESAS (2012); Antropología de la Deuda: Crédito, ahorro, fiado y prestado en las finanzas cotidianas (2004). Continue reading

Felipe González en The Clinic

[The Clinic ha publicado una entrevista con Felipe González titulada: “Investigador de deudas educacionales: “El endeudamiento es una condena”. La nota comienza así: ]

“Empezó a estudiar a los deudores para su Doctorado en Sociología y ahora se dedica de lleno a investigar créditos universitarios, intentando construir el primer perfil del deudor educacional de nuestro país. Felipe González, académico de la Universidad Central y adherente al movimiento “Deuda Educativa”, caracteriza por primera vez a los encalillados por estudiar. “Cuando te endeudas, esclavizas a toda tu generación de jóvenes. ¿Quién va a querer ser escritor, poeta o músico si tu mayor preocupación es que no te embarguen la casa? Ahí mataste la cultura”, dice.” Continue reading

Financial Practices on “the Borderlands” (La Línea) in Times of Crisis

[Nuevo artículo de Magdalena Villarreal y Lya Niño: “Financial Practices on “the Borderlands” (La Línea) in Times of Crisis” en  Human Organization]

“Financial Practices on “the Borderlands” (La Línea) in Times of Crisis”

Magdalena Villarreal & Lya Niño

Abstract

Financial practices are not only about money. This paper discusses how people living and working in the Mexico/United States borderlands weave their economic lives by combining, associating, and disassociating formal and “informal” currencies. We base our analysis on transactions carried out by women who commute regularly between the twin cities of Mexicali and Calexico, detailing their financial practices; the frameworks of calculation they employ; and the social, cultural, and financial mechanisms they and their families use to cope with their daily lives. These include the use of monetary and non-monetary calculations and resources, different types of indebtedness and forms of reciprocity. Such findings reveal mistakes in the tenets upon which much anti-poverty and financial aid programs are based. A focus on people’s use of particular calculations, resources, and social relations will help substantiate better alternatives that can be implemented in supporting their economies. Continue reading

Consumer Finance Research Methods Toolkit (BETA Version) available now!

[Copio este post de Erin Taylor en Charisma-Network. El post presenta el muy interesante “Consumer Finance Research Methods Toolkit”  que Erin ha preparado junto a Gawain Lynch en el contexto de su trabajo en IMTFI de la UC Irvine. Como ellos explican: el manual se enfoca en seis métodos en estudios sociales de las finanzas domésticas: etnografía, entrevistas verbales, entrevistas “object-centered”, diarios financieros, investigación digital y experimentos. Sin duda será de gran utilidad para futuros estudios en estas y otras áreas]

Consumer finance globally is undergoing a process of rapid change. With the rise of digital finance, consumers’ choices are no longer limited to products available in their place of residence. Gone are the days when our only options were local banks and moneylenders. Instead, those of us who have a digital device and Internet access can choose from an enormous array of products from all around the world. Insurance, savings, peer-to-peer lending, cryptocurrencies, and currency exchange services are just some of the services at our disposal. Even without Internet, millions of people are accessing new financial services through ordinary mobile phones. Consumer finance has gone global.

How can we understand consumer behaviour in this changing environment? Consumer choices can be difficult enough to understand at the best of times, and this explosion of product choice only promises to make our research more complex. We need to adapt our research methods to this new digital environment in order to keep abreast of how consumers make choices, what new risks they face, and what further financial services are needed. To assist researchers working in consumer finance, Gawain Lynch and I created the Consumer Finance Research Methods Toolkit for the Institute for Money, Technology, and Financial Inclusion (IMTFI) at the University of California, Irvine. This toolkit is part of the larger Consumer Finance Research Methods Project, for which we produced a provocation paper and series of blog posts outlining major issues in consumer finance today. Continue reading

Róna-Tas & Guseva’s Plastic Money book review symposium

Cover of Plastic Money by Akos Rona-Tas and Alya GusevaEl último número de Socio-Economic Review (2016, 14: 1), trae un debate sobre el libro de Ákos Róna-Tas and Alya Guseva Plastic Money: Constructing Markets for Credit Cards in Eight Postcommunist Countries (2014, Stanford University Press). El debate incluye ensayos por József Böröcz, Nigel Dodd, José Ossandón y Josh Whitford.

Cfp_EASA 2016, Panel: “Debt: a critical reflection based on people’s debts”

Call for papers European Association of Social Anthropologists (EASA) 2016 conference “Anthropological legacies and human futures”, Milan 20-23 July 2016, session “Debt: a critical reflection based on people’s debts”. Convenors: Hadrien Saiag (LAIOS/CNRS) & Emilia Schijman (Lames-AMU-CNRS).

Short Abstract

This panel provides a reflection on debt, based on ethnographies of people’s debts. It focuses on the way debts concretely shape people’s lives, the challenges of dealing with debt as a generic concept, and the implications of shifting emphasis from exchange to debt. The call for papers is now open and closes at midnight GMT on February 15th, 2016. Before you propose your paper, please read the instructions and rules below, and then browse the list of panels. Continue reading