Las estructuras sociales de endeudamiento y los grupos de referencia comunitariosuna comparación internacional

  1. Herranz González, Roberto 1
  2. Oro Sáez, Carlos P. del 1
  1. 1 Universidade de Santiago de Compostela
    info

    Universidade de Santiago de Compostela

    Santiago de Compostela, España

    ROR https://ror.org/030eybx10

Journal:
Papers: revista de sociología

ISSN: 0210-2862 2013-9004

Year of publication: 2017

Volume: 102

Issue: 1

Pages: 73-106

Type: Article

DOI: 10.5565/REV/PAPERS.2176 DIALNET GOOGLE SCHOLAR lock_openDDD editor

More publications in: Papers: revista de sociología

Abstract

Although economic sociology has been interested in the sociology of debt and credit, it has paid less attention to a systematic definition of the social structures of debt and the role they play in the context of economic development processes. This paper begins by discussing this concept through observing the various forms that these structures can take. Based on data from the ISSP 2001 survey conducted in 26 countries, social relations of indebtedness are analyzed in terms of the reference groups (family positions, outside the family, banking) that respondents would turn to if they needed a large amount of money. The orientations and reference groups adopted in each country are studied according to their level of development. The results of the analysis show the presence of important contrasts between countries with very different levels of development and reveal patterns that indicate the presence of formal and informal spaces of indebtedness. The diverse composition of the reference groups reflects the variety of social structures of indebtedness.

Funding information

Este trabajo ha sido realizado dentro de las actividades animadas por el proyecto PSI2008-01937 del Ministerio de Ciencia e Innovación dirigido por Félix Requena, de la Universidad de Málaga.

Funders

Bibliographic References

  • Adams, Dale y Canavesi Shonero, Marie Lissette (1989). «Rotating Savings and Credit Associations in Bolivia». Savings and Developments, 13, 219-236.
  • Andréu Abelá, Jaime (2011). «El análisis multinivel: Una revisión actualizada en el ámbito sociológico». Metodología de Encuestas, 13, 161-176.
  • Aryeetey, Ernest (2001). «Informal Finance for Private Sector Development in Sub-Saharab Africa». Journal of Microfinance, 7 (1), 13-38.
  • Attias-Donfut, Claudin (2000). «Rapports de generations: Transfers intrafamiliaux et dynamique macro sociale». Revue Française de Sociologie [en línea], 41 (4), 643-684. http://dx.doi.org/10.2307/3322701
  • Bauman, Zigmunt (2010). Vida de consumo. México: FCE.
  • Banco Mundial (2001). Informe sobre el desarrollo Mundial 2000/2001: Lucha contra la pobreza. Madrid: Ediciones Mundi-Prensa.
  • Biggart, Nicole Woolsey (2001). «Banking on Each Other: The Situation Logic of Rotating Saving and Credit Association». Advance in Qualitative Organization Research, 3, 129-153.
  • Blic, Damien de y Lazarus, Jeanne (2007). Sociologie de l’argent. París: La Découverte.
  • Bourdieu, Pierre (2000). La estructura social de la economía. Barcelona: Anagrama.
  • Bourdieu, Pierre; Boltanski, Luc y Chambopderon, Jean Claude (1964). La banque et sa clientèle: Eléments d´une sociologie du crédit. Etude realisée sous la direction de Pierre Bourdieu par Luc Bolstnaski et Jean-Claude Chamboderon. París: Centre de Sociologie Européenne. Manuscrito no publicado.
  • Carruthers, Bruce G. (2015). «Financialization and the institutional foundation of the new capitalism». Socio-Economic Review [en línea], 13 (2), 379-398. http://dx.doi.org/10.1093/ser/mwv008
  • Carruthers, Bruce G. y Ariovich, Laura (2010). Money and Credit: A Sociological Approach. Cambridge: Polity Press.
  • Chen, Greg y Rutherford, Stuart (2013). Crisis de microcrédito evitada: El caso de Bangladesh, 87, 1-19. CGAP.
  • Collins, Daryl; Morduch, Jonathan; Rutherford, Stuart y Ruthven, Orlanda (2009). Portfolios of the Poor. Princeton: Princeton University Press.
  • Crouch, Colin (2011). The Strange non-death of Neo-liberalism. Cambridge: Polity Press.
  • Durkheim, Émile (1893). La división del trabajo social. Madrid: Akal, 1982.
  • Esping-Andersen, Gøsta (2000). Fundamentos sociales de las economías postindustriales. Barcelona: Ariel.
  • Fligstein, Neil (2001). The Architecture of the Markets. Princeton: Princeton University Press.
  • Fligstein, Neil y Goldstein, Adam (2015). «The emergence of a finance culture in American Hoseholds, 1987-2007». Socio-Economic Review [en línea], 13 (3), 575-601. http://dx.doi.org/10.1093/ser/mwu035
  • Granovetter, Mark (1985). «Economic Action, Social Structure and Embeddedness». American Journal of Sociology [en línea], 91 (3), 481-510. http://dx.doi.org/10.1086/228311
  • Granovetter, Mark(2003). «La fuerza de los lazos débiles: Revisión de la teoría retícular». En: Requena Santos, Félix (comp.). Análisis de redes sociales. Madrid: CIS.
  • Guillén, Mauro F. y Tschoegl, Adrian. E. (2000). «The internationalization of retail banking: The case of the Spanish Banks in Latin America». Transnacional Corporation, 9 (3).
  • Herranz, Roberto (2008). «Georg Simmel y la Sociologia Económica: El mercado, las formas sociales y el análisis estratégico». Papers [en línea], 87, 269-286. http://dx.doi.org/10.5565/rev/papers/v87n0.806
  • Hoss, Dietrich y Herranz, Roberto (1995). «The Division of Labour between Centre and Periphery in Industrial Networks: The case of Galicia». En: Littek, Wolfgang y Charles, Tony (eds.). The New Division of Labour. Emerging Forms of Work Organisation in International Perspective. Nueva York: Walter de Gruyter. http://dx.doi.org/10.1515/9783110890747.437
  • Iacovou, Maria y Skew, Alexandra J. (2010). «Household Structure in the EU». En: Atkinson, Anthony B. y Marlier, Eric (eds.). Income and living conditions in Europe [en línea]. Luxemburgo: Publications Office of the European Union. http://dx.doi.org/10.2785/53320
  • Ingham, Geoffrey (2010). Capitalismo. Madrid: Alianza Editorial.
  • ISSP Research Group (2003). International Social Survey Programme: Social Relations and Support Systems / Social Networks II - ISSP 2001. GESIS Data Archive, Cologne. ZA3680 Data file Version 1.0.0. http://dx.doi.org/10.4232/1.3680
  • Karim, Lamia (2011). Microfinances and its discontents: Women in Debt in Bangladesh. Londres: University of Minnesota Press. http://dx.doi.org/10.5749/minnesota/9780816670949.001.0001
  • King, Lawrence P. y Szelényi, Ivan (2005). «Pos-Comunism Economic System». En: Smelser, Neil. J. y Sweberg, Richard. The Handbook of Economic Sociology [en línea]. Nueva York y Princeton: University Press. http://dx.doi.org/10.1515/9781400835584.205
  • Knorr Cetina, Karin y Preda, Alex (2012). The Sociology of Finance [en línea]. Oxford: Oxford University Press. http://dx.doi.org/10.1093/oxfordhb/9780199590162.001.0001
  • Light, Ivan H. (1972). Ethnic Enterprise in America, Berkeley y Los Angeles. Berkeley: University of California Press.
  • Light, Ivan H. (2005). «The Ethnic Economy». En: Swedberg, Richard y Smelser, Neil (eds.). The Handbook of Economic Sociology [en línea]. Princeton: Princeton University Press. http://dx.doi.org/10.1515/9781400835584.650
  • Mader, Philipe (2015). The Political Economy of Microfinance: Financializing Poverty. Nueva York: Palgrave Macmillan.
  • Merton, Robert (1964). Teoría y estructura sociales. México: FCE.
  • Nee, Victor e Ingram, Paul (1998). «Embeddedness and Beyond: Institutions, Exchange and Social Structure». En: Brinton, Mary y Nee, Victor. The New Institutionalism in Sociology. Nueva York: Russel Sage Foundations.
  • Philippon, Thomas y Reshef, Ariell (2013). «An International Look at the Growth of Modern Finance». Journal of Economic Perspectives [en línea], 27 (2), 73-96. http://dx.doi.org/10.2469/dig.v43.n4.47
  • Portes, Alejandro (2013). Sociología económica: Una investigación sistemática. Madrid: Centro de Investigaciones Sociológicas.
  • Puntscher, Sibylle; Hauser, Christoph; Walde, Janette y Tappeiner, Gottfried (2016). «Measuring Social Capital with Aggregated Indicators: A Case of Ecological Fallacy?». Social Indicators Research [en línea], 125, 431-449. http://dx.doi.org/10.1007/s11205-014-0843-z
  • Requena Santos, Félix (2011). Las redes de apoyo social. Madrid: Civitas.
  • Rona-Tas, Akos y Guseva, Alya (2014). Plastic Money: Constructing Markets for Credit Card in Eight Postcommunists Countries [en línea]. Stanford: Stanford University Press. http://dx.doi.org/10.11126/stanford/9780804768573.003.0005
  • Sand-Zantman, Alain (2005). «O Brasil de Lula: É posible a utopía reformista na globalización financiera». Revista Galega de Economía [en línea], 14 (1-2), 441-467.
  • Sanyal, Paromita (2014). Credit to Capabilities: A Sociological Study of Microcredit Groups in India [en línea]. Cambridge: Cambridge University Press. http://dx.doi.org/10.1017/cbo9781139939461
  • Sen, Amartya (2000). Desarrollo y libertad. Barcelona: Planeta.
  • Simmel, Georg (1900). Filosofía del dinero. Madrid: Capitán Swing, 2013.
  • Snijders, Tom A.B. y Bosker, Roel J. (1999). An introduction to basic and advanced multilevel modelling. Londres: SAGE Publications.
  • Stiglitz, Joseph E. (2002). El malestar de la globalización. Madrid: Taurus.
  • Sullivan, Teresa A.; Warren, Elizabeth y Westbrook, Jay Lawrence (2000). The Fragile Middle Class: Americans in Debt. New Haven y Londres: Yale University Press.
  • Swedberg, Richard (2010). «The Economic Sociologies of Pierre Bourdieu». Cultural Sociology [en línea], 5 (1), 1-18. http://dx.doi.org/10.1177/1749975510389712
  • Swedberg, Richard y Smelser, Neil (2005). The Handbook of Economic Sociology. Princeton: Princeton University Press.
  • Tönnies, Ferdinand (1887). Comunidad y asociación. Barcelona: Península, 1979.
  • Tsai, Kellee (2004). «Imperfect Substitutes: The Local Political Economy of Informal Financial and Microfinance in Rural China and India». World Development [en línea], 32 (9), 1487-1507. http://dx.doi.org/10.1016/j.worlddev.2004.06.001
  • Weber, Max (1922). Economía y sociedad. México: FCE, 1964.
  • World Bank (2014). Global Findex Database.