Depleted by Debt: "Green" Microfinance, Over-Indebtedness , and Social Reproduction in Climate-Vulnerable Cambodia
Depleted by Debt: "Green" Microfinance, Over-Indebtedness , and Social Reproduction in Climate-Vulnerable Cambodia
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债务耗尽：气候脆弱的柬埔寨的“绿色”小额信贷、过度负债和社会再生产
作者：
Guermond V
在主流发展思想中，小额信贷的运作受到推崇，被视为支持小农的关键手段，这些小农在日常、持续且往往缓慢发生的气候灾害的背景下面临日益严重的农业生产力危机。据称，小额信贷产品和服务可以通过促进风险恢复和降低来增强应对和适应能力。本文挑战现状，汇集了 2020 年至 2022 年期间在柬埔寨收集的原始数据和混合方法数据，通过强调小额信贷如何导致和加剧气候不稳定和对许多人造成的伤害，批判性地审视“绿色金融”议程。我们证明了信用如何导致更危险和个性化的努力来应对和适应家庭现有的条件，往往以情感和身体消耗为代价。通过这样做，我们有助于响应将有关社会再生产、资源枯竭和气候变化适应的文献和思考联系起来的呼吁。
The operations of microfinance are exalted in mainstream development thinking as a key means of supporting smallholder farmers facing growing crises of agricultural productivity in the context of daily, ongoing, and often slow‐onset climate disasters. Microfinance products and services are claimed to enhance coping and adaptative capacity by facilitating both risk recovery and reduction. Challenging the status quo, this paper brings together original and mixed‐method data collected between 2020 and 2022 in Cambodia to critically examine the “green finance” agenda by highlighting the ways in which microfinance contributes to reproducing and exacerbating climate precarity and harm for many. We evidence how credit‐taking can lead to more dangerous and individualised efforts to cope with, and adapt to, existing conditions at home, often at the cost of emotional and bodily depletion. By doing so, we contribute to answering calls for connecting literatures and thinking on social reproduction, depletion, and climate change adaptation.