@article{fdi:010061313,
  title = {{D}ebt in rural {S}outh {I}ndia : fragmentation, social regulation and discrimination},
  author = {{G}u{\'e}rin, {I}sabelle and {D}'{E}spallier, {B}. and {V}enkatasubramanian, {G}.},
  editor = {},
  language = {{ENG}},
  abstract = {{T}his micro-level study combines multivariate and qualitative analyses to highlight the fragmented nature of debt in southern {I}ndian rural households. {I}t finds that debt is socially regulated in the sense that social interactions shape the cost, use and access to debt. {C}aste, social class and location affect how individuals borrow varying amounts from distinct money providers, for varied purposes and at differing costs. {D}ebt thus is not purely an economic but first and foremost a social transaction which inscribes debtors and creditors into local systems of hierarchies. {F}urthermore, we find that debt is an illustration and catalyst of broader socio-economic and political trends, namely a lack of social protection, persistent under-employment and rising consumerism. {I}n terms of policy implications, the study highlights the ambiguities and illusions inherent to financial inclusion' policies aiming to eradicate informal debt.},
  keywords = {{INDE}},
  booktitle = {},
  journal = {{J}ournal of {D}evelopment {S}tudies},
  volume = {49},
  numero = {9},
  pages = {1155--1171},
  ISSN = {0022-0388},
  year = {2013},
  DOI = {10.1080/00220388.2012.720365},
  URL = {https://www.documentation.ird.fr/hor/fdi:010061313},
}