Contrasting housing microfinance with the social production of habitat in the city of Buenos Aires, Argentina
Contrasting housing microfinance with the social production of habitat in the city of Buenos Aires, Argentina
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阿根廷布宜诺斯艾利斯市住房小额信贷与栖息地社会生产的对比
DOI：
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发表时间：
2021
影响因子：
3.5
通讯作者：
Alicia Gerscovich
中科院分区：
文献类型：
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作者：
Judith M. Lehner;Alicia Gerscovich
摘要 在国家退出住房供应的背景下，尽管经济适用房持续短缺，阿根廷布宜诺斯艾利斯的住房政策却日益多元化。本文对比了布宜诺斯艾利斯市自 2000 年以来实施的两种不同的基于信贷的低收入住房供应方法：嵌入“栖息地社会生产”逻辑的自我管理住房建设和改善项目的集体抵押贷款；个人住房小额贷款，遵循低收入家庭普惠金融的逻辑。我们研究了每种方法的案例研究，并对比了实施过程中发生的制度转变、每种方法为参与者提供的学习过程，以及每种方法如何生产住房的细节。我们的结论是，尽管住房小额信贷和栖息地的社会生产似乎遵循矛盾的逻辑，但它们也可以被视为互补的解决方案，可以结合起来解决彼此的缺点。
Abstract In a context of the state withdrawing from housing provision, despite a persistent shortage of affordable housing, housing policies in Buenos Aires, Argentina, have increasingly diversified. This paper contrasts two different credit-based approaches to low-income housing provision which have been implemented since the year 2000 in the City of Buenos Aires: collective mortgage loans for self-managed housing construction and improvement projects, embedded in a logic of ‘social production of habitat’; and individual housing microloans, following a logic of financial inclusion for low-income households. We examine a case study of each approach and contrast the institutional shifts that have taken place during their implementation, the learning processes each approach facilitates for participants, and the details of how housing is produced in each approach. We conclude that, although housing microfinance and the social production of habitat may appear to follow contradictory logics, they can also be treated as complementary solutions that could be combined to address each other’s shortcomings.
拉丁美洲及其他地区的住房小额信贷和住房金融化：未来研究议程
影响因子：
3.5
作者：
Grubbauer
通讯作者：
Grubbauer