Housing microfinance, saving and credit cooperatives, and community development in low-income settings in Mexico
Housing microfinance, saving and credit cooperatives, and community development in low-income settings in Mexico
复制标题
墨西哥低收入地区的住房小额信贷、储蓄和信用合作社以及社区发展
DOI：
10.1093/cdj/bsaa051
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发表时间：
2021
影响因子：
1.5
通讯作者：
M. Grubbauer
中科院分区：
文献类型：
--
作者：
Escobar;M. Grubbauer
自 2007 年以来，针对自组织住房的住房小额信贷计划已被纳入墨西哥住房政策。这是世界银行向墨西哥提供贷款的结果，也是住房活动人士几十年来一直倡导开发金融工具以支持“住房社会生产”的结果——他们将这一概念定义为一种旨在满足家庭住房需求而不是增强资本积累的住房生产类型。虽然世界银行的这些住房贷款主要是为了加强住房金融部门，但住房活动人士推动将储蓄和信用合作社纳入住房小额信贷提供者。这些合作社寻求在地方一级促进建立在团结经济原则基础上的替代发展项目。从有关国际金融机构吸纳进步行为者的批评文献中汲取灵感，我们强调了积极分子的代理作用，并研究了他们在社区层面的作用。我们认为，国际金融机构推动的合作进程始终可以在地方层面进行争议和谈判。我们建议，在这种情况下，按照团结经济原则运作的储蓄和信用合作社等进步行动者的参与可能会提供政治机会，颠覆世界银行住房融资计划中规定的金融合理性。
Housing microfinance schemes for self-organized housing have been incorporated into Mexican housing policies since 2007. This is the result of World Bank loans to Mexico but also of housing activists who for decades have advocated for the development of financial instruments to support the ‘social production of housing’—a concept defined by them as a type of housing production geared to meet families’ shelter needs rather than to enhance capital accumulation. While these World Bank housing loans were mainly oriented to strengthen the housing finance sector, the housing activists pushed for the inclusion of saving and credit cooperatives as housing microfinance providers. These cooperatives seek to promote at the local level, alternative development projects built on solidarity economy principles. Taking inspiration from critical literature on the co-optation of progressive actors by international financial institutions we highlight the activists’ agency and examine their role at the community level. We argue that processes of co-optation pushed by international financial institutions can always be contested and negotiated at a local level. We propose that, in this case, the engagement of progressive actors such as saving and credit cooperatives working according to principles of the solidarity economy could open political opportunities to subvert financial rationalities inscribed in the housing finance schemes of the World Bank.
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DOI：
10.1177/0308518x17745873
发表时间：
2017
期刊：
Environment and Planning A: Economy and Space
影响因子：
--
作者：
E. V. Waeyenberge
通讯作者：
E. V. Waeyenberge
金融合作社
DOI：
--
发表时间：
2018
期刊：
影响因子：
--
作者：
C. E. Cuevas;Juan Buchenau
通讯作者：
Juan Buchenau
DOI：
--
发表时间：
2017
期刊：
影响因子：
--
作者：
Liam Clegg
通讯作者：
Liam Clegg
在同情与种族主义之间：新自由主义福利的生命政治如何将公民变成情感上的“白痴”
DOI：
--
发表时间：
2017
期刊：
影响因子：
--
作者：
M. Kaika
通讯作者：
M. Kaika
世界银行住房实验：金融普惠时代墨西哥自组织住房小额信贷
影响因子：
3.5
作者：
Grubbauer;L. Escobar
通讯作者：
L. Escobar