Gender,Risk and Micro‐financial Subjectivities

Abstract: This article analyses the gendered contradictions of microfinance's celebrated “double bottom line” of social and financial impact. The example of microfinance is used to illustrate the gendered and colonial constructions of “risk” and “responsibility” that underpin neoliberalism and its gendered paradoxes. After revisiting the discursive critique of these terms, I draw on how indigenous women participating in a microfinance institution in Bolivia describe their experience to suggest how gendered ideas of risk and responsibility are framing their negotiation of and resistance to the market. While the gendered and colonial construction of risk creates dynamics that perpetuate indigenous women's exclusion from the market, the terms of the resistance and use of the intervention also challenge feminist critiques of neoliberal governmentality developed mostly with reference to advanced modernity and welfare regimes.     

Resource Accessibility and Vulnerability in Andhra Pradesh: Caste and Non‐Caste Influences

Coastal Andhra Pradesh in southern India is prone to tropical cyclones. Access to key resources can reduce the vulnerability of the local population to both large‐scale disasters, such as cyclones, and to the sort of small‐scale crises that affect their everyday lives. This article uses primary fieldwork to present a resource accessibility vulnerability index for over 300 respondents. The index indicates that caste is the key factor in determining who has assets, who can access public facilities, who has political connections and who has supportive social networks. The ‘lower’ castes (which tend to be the poorest) are marginalized to the extent that they lack access to assets, public facilities and opportunities to improve their plight. However, the research also indicates that the poor and powerless lower castes are able to utilize informal social networks to bolster their resilience, typically by women's participation with CBOs and NGOs. Nevertheless it is doubtful whether this extra social capital counterbalances the overall results which show that — despite decades of counteractions by government — caste remains a dominant variable affecting the vulnerability of the people of coastal Andhra Pradesh to the hazards that they face.     

The Negation of Politics in Participatory Development Projects,Kurnool, Andhra Pradesh

Based on a case study of two watershed development projects in Kurnool district of Andhra Pradesh in India, this article argues that participatory development projects are legitimized by using formalistic compliance criteria, while removing politics as a context. It shows how key aspects of the liberal political framework have not been fully harmonized with communitarian theories; the result is an interpretation of participation as a set of practices that are far removed from politics. As a development practice, participation can turn into the itemizing of participatory objectives, which are then to be fulfilled in the same way as physical and financial targets. The practitioners see their role as merely ‘technocratic’ and the projects they implement as ‘apolitical’. The author argues that, central to these claims, is a limited definition of ‘politics’ as a one dimensional domain comprising contest and irreconcilable conflict, from which the participatory projects, based on so‐called consensus, publicly expressed, are to be shielded. The article concludes that participatory projects accommodate and reflect existing relations of domination and control much more than their outward orientation would suggest.     

Microfinance and poverty reduction: evidence from a village study in Bangladesh

To evaluate the competing claims on the impact of microfinance programs on multidimensional poverty, a village study in Bangladesh was conducted where three microfinance programs had been operating for more than five years. The study found that microfinance has resulted in a moderate reduction in the poverty of borrowers, as measured by a variety of socio-economic indicators, but has not reached many of the poorest in the village. To make microfinance a more effective means of poverty reduction other services such as skills training, technological support, education and health related strategies should be included with microfinance.     

Global Politics of Microfinancing Poverty in Asia: The Case of Bangladesh Unpacked

Abstract

This article offers a critical and systematic political analysis of microfinance schemes linking international, national and local development policy. It substantiates the argument that microfinance schemes are a neoliberal development strategy, primarily advanced to realise a dual purpose: (1) financial sector liberalisation and commercialisation, while extending microfinance as a means to “poverty reduction”, and (2) the dampening and undermining of resistance to neoliberal development policies, by relying on the disciplinary potential of these schemes. I illustrate this argument through an examination of the politics of microfinance and development in Bangladesh, which includes analyses of policies prescribed by the World Bank (and also the CGAP). The analysis also draws out the implications (legal and institutional) for many NGOs who have been required to change their status to Microfinance Institutions (MFIs). Microfinance schemes are exemplary of (new) efforts to build markets in Asia in accordance with neoliberal visions of development, and in ways that advance and capitalise on the contradictions of neoliberal development. But they also challenge us to reflect more deeply on the limits of “market society”.     

Representing financial inclusion: The CGAP microfinance photo contest (Respond to this article at http://www.therai.org.uk/at/debate)

This article examines representations of financial inclusion through the lens of the CGAP microfinance photo contest. It situates the contest's winning images within current contestations surrounding global financial inclusion strategies, to show how these photos construct particular representations of microfinance that legitimize CGAP's minimalist, commercially‐driven model. The production of the need for large‐scale financial inclusion is key to this model, which is depicted through gendered representations of microfinance beneficiaries. On the one hand, the CGAP photos present a shift from stereotypical images of female micro‐entrepreneurs in traditional contexts to more complex images that disrupt such stereotypes while at the same time reinforcing other assumptions about microfinance. On the other, they bring men back into the picture as worthy microfinance recipients. While contributing to pluralist representations that valorize photography in developing countries, the CGAP microfinance photo contest is ultimately unable to portray the complexities and contradictions of financial inclusion interventions.     

Co-becoming with angophora: performing more-than-human belongings in Ku-ring-gai Chase National Park

Belonging in Australian national parks has long been associated with universal ideas of nativeness or naturalness. However, these delineations have been critiqued as rooted in western, dualistic understandings of nature and culture that do not allow for other ways of conceptualising the world or for the agency of nonhumans. This paper argues for reconceptualising belonging as an ontological co-becoming where multiple contingent belongings co-emerge with bodies, worlds and place. To show how belonging co-becomes, I examine human–tree relations surrounding a special and sacred tree in Ku-ring-gai Chase National Park, Australia, the Angophora costata. I tell three stories that shed light on the multiple ways performances of belonging are entangled with histories, stories, spirits, and present and absent humans and nonhumans. In doing so, I show how belonging is a more-than-human practice where ideas of native and natural are questioned.     

Bridging the Social and Digital Divides in Andhra Pradesh and Kerala: A Capabilities Approach

Combining empirical evidence with Amartya Sen's concept of capabilities, this article argues that the digital divide is not merely a problem of access to ICTs. It is part of a larger developmental problem in which vast sections of the world's population are deprived of the capabilities to use ICTs, acquire information and convert information into useful knowledge. Fieldwork research including sample surveys conducted in rural locations in Kerala and Andhra Pradesh in India shows that these capabilities can only be created through large‐scale complementary interventions in economic and social development.     

Homeboys: uses of home by gay Australian men

In this article, I explore connections between space, the body and the nation by analyzing state-introduced leisure activities in a village in Indonesia. While leisure activities are voluntary and are more enjoyable than more formal nation-building activities, I investigate how they are politicized and intimately tied to the state's nation-building agenda. Focusing on national programs of volleyball, takro (an indigenous game played with a rattan ball), and Gerak Jalan (marching competitions), I examine how the state's national ideology has been translated into recreational programs that attempt to ‘improve’ the bodies of citizens and to inculcate national ideology in the citizenry. Through the creation of various recreational landscapes and programs, citizens are encouraged to spend their free time in particular pursuits that serve national goals. Finally, I discuss how the leisure activities introduced by the state are, despite hegemonic intentions, unevenly practiced and examine how citizens resist, ignore and renegotiate the intended meaning of the activities.     

Spinoza on Fictitious Ideas and Possible Entities

The aim of this article is twofold: to provide a valid account of Spinoza’s theory of fictitious ideas, and to demonstrate its coherency with the overall modal metaphysics underpinning his philosophical system. According to Leibniz, in fact, the existence of romances and novels would be sufficient to demonstrate, against Spinoza’s necessitarianism, that possible entities exist and are intelligible, and that many other worlds different from ours could have existed in its place. I argue that Spinoza does not actually need to resort to the notion of possible entities in order to explain the incontrovertible existence of fictions and fictitious ideas. In order to demonstrate this, I will first show how, according to Spinoza, true ideas of nonexistent things need not be regarded as fictitious ideas. Then I will show by which means Spinoza can justify the real existence of fictions and fictitious ideas in the human mind through our present knowledge of actually existing things, to conclude that fictitious ideas neither add anything to what we already know of things, nor do they increase the extent of the existing conceivable reality by demanding the existence of possible non-actualised entities.     

The Underside of Microfinance: Performance Indicators and Informal Debt in Cambodia

Microfinance is a dominant strategy used to promote rural development around the world. Rather than directly track its impact on borrowers, however, microfinance institutions rely on indicators of financial performance adopted from commercial banking as proxies for positive social impact. Yet, as critical research has shown, the industry depends on coercive peer pressure, social shaming and various forms of gendered exploitation to achieve its high rates of loan repayment. This article maintains that there is a need to investigate how the microfinance industry's own indicators of impact contribute to the ways microfinance can harm borrowers. Based on qualitative research in Cambodia during 2021 and 2022, the article demonstrates how financial performance indicators, most notably portfolio quality, both hide and exacerbate the ways that borrowers juggle debt between formal and informal lenders. In making this argument, the article advances critical scholarship on microfinance by showing how microfinance repayment structures debt-juggling practices in ways that put borrowers at greater risk of over-indebtedness. As a result, the microfinance industry is able to claim that it successfully helps to alleviate poverty, even as it accumulates profits by appropriating wealth from poor and low-income households across the global South.     

Hume,Bishop Butler,and the Revival of Ritual in Anglophone Protestantism

A sweeping reassessment of the role of ritual, ceremony, and aesthetics took place in anglophone Protestantism between the late eighteenth and the late nineteenth centuries. While the nineteenth‐century developments themselves have been extensively studied, little scholarly attention has been paid to the importance of the earlier emergence of philosophical language capable of explaining and justifying, in a Protestant context, the ritual and aesthetic dimensions of religious practice. I argue that this language, paradoxically, grew out of a symbiosis of sceptical modernity, traditional religious apologetics, and the religious “enthusiasm” of the early eighteenth century. I approach the topic through the interconnected oeuvres (and careers) of David Hume and Joseph Butler, presenting the first synoptic account of their ideas about the psychological underpinnings of religious worship, and the use made of their ideas by later generations of anglophone Protestants. As mainstream Anglicans, Episcopalians, and Presbyterians confronted the challenges presented by Methodism and Evangelicalism, they found support in a synthesis of Butler's and Hume's ideas. Eventually, the beneficial role of ritual and aesthetics in religious worship came to be widely accepted throughout the anglophone Protestant world.     

Financialisation through Microfinance: Civil Society and Market-Building in India

Abstract

Microfinance does not reduce poverty, but it does successfully construct economic relations between owners of capital and borrowers of capital, allowing surpluses to accumulate through finance. It does so by drawing on the agency of financialised civil society actors who facilitate financialisation by working around the state to build new markets in finance and other goods. This article understands financialisation as the expansion of the frontier of financial accumulation. Microfinance is shown to achieve this expansion by establishing credit-based linkages between owners and borrowers of capital, allowing surplus accumulation to take place via the credit relation. Underlying this material relationship, there is also a level at which financialisation motivates and pressures civil society actors to bring microfinance to the poor. By becoming financialised agents themselves, civil society organisations act as conduits for an expansion of financial markets and the construction of new market relations for other goods. A case study of microfinance for water and sanitation in India shows in detail how this construction of markets via civil society works in practice, highlighting the pressures and opportunities presented by microfinance as a vehicle for building markets.     

Regulating Over-indebtedness: Local State Power in Cambodia's Microfinance Market

Cambodian microfinance borrowers are suffering from an over-indebtedness crisis. In the past 20 years, the Cambodian government has implemented financial reforms that have commercialized the microfinance sector and promoted industry self-regulation. Echoing long-standing concerns about neoliberal microfinance, critics maintain that these reforms have hollowed out the Cambodian state's ability to regulate a highly competitive market, thereby exacerbating the problem of over-indebtedness. In contrast, based upon 20 months of ethnographic research in southern Cambodia by the author, this article argues that the microfinance market would not function without local authorities performing key regulatory roles of the state. These local authorities include commune councillors — elected representatives of multiple villages — who work closely with village leaders and local police. They are the primary state actors who enforce the property rights and loan contracts upon which Cambodia's microfinance market depends. The author analyses how this local state regulation contributes to household indebtedness by encouraging multiple borrowing, rural out-migration and land repossession. The article advances development studies scholarship on over-indebtedness by demonstrating that the inequitable outcomes of neoliberal microfinance can be better understood, and contested, by interrogating the multi-scalar spaces of state regulatory power.     

"Sticks and Stones May Break My Bones": A Personal Geography of Harassment

Over recent months I have received silent phone calls and malicious homophobic mail that has referred to my sexual identity, my research, my teaching, and my position within the discipline of Geography, and I have been "outed" as a lesbian to my parents. This paper attempts to unpack these experiences: first, by examining the different processes (all of which play upon the mutual constitution of my academic self and sexual self) through which my harasser has sought to exclude me from the discipline of Geography; second, by exploring the geography of this harassment—focusing on how malicious letters/calls can disrupt meanings of place, particularly the way that personal geographies can be taken for granted until they are transgressed; third, by considering geographies of the law. Finally, the paper reflects onthe mutual constitution of my sexual identity, geographical research and writing, academic identity as a geographer, and the discipline of Geography itself.     

Undoing Nature: The John Muir Trust's “Journey for the Wild”, the UK,Summer 2006

Abstract: I take as a point of departure for a discussion of the idea of nature the John Muir Trust's much publicised Journey for the Wild which took place in the UK during the summer of 2006. My objective is to explore how, at the same time that the “wild” was performed as a political category through the Journey, replicating the binary nature/society, prevalent norms of nature that depend on that binary, including, ironically, those of John Muir himself, were “undone”. I work with Judith Butler's (2004, Undoing Gender) ideas of “doing” and “undoing” gender and what counts as human, and her link between the articulation of gender and the human on the one hand and, on the other, a politics of new possibilities. Taking her argument “elsewhere”—unravelling what is performed as “wild” and what counts as “nature”—and using as evidence the art of Eoin Cox, the actions of journeyers, extracts from their diaries and from Messages for the Wild delivered to the Scottish Parliament, I suggest that the idea of a working wild points towards more socially just political possibilities than a politics of nature defined through a binary.     

A Picturesque Modernity in 1920s Peru and Argentina: Ruins,Cuzco and Americanism in the Photographic Reportages of Variedades and Plus Ultra

This essay focuses on a series of pictorial reportages on the city of Cuzco and the surrounding region published in the Peruvian illustrated magazine Variedades in 1924 and 1925. Looking at the interplay of the aesthetic and documentary value of photographs, I analyse how the reportages on Cuzco’s architecture and ruins contributed to the indigenista proposal of regional and national identity and how, in so doing, they articulated an idea of modernity which opposed the main narrative of Western modernization produced by the magazine. I argue that Variedades became the discursive place of an interplay between opposite ideas of modernity since it afforded its readers-viewers a dual, almost conflictive, experience. Moreover, I posit that the magazine ‘mediated’ the regional discourse for the Limeño readers through the discourses of tourism and the picturesque familiarizing them with those ‘unknown’ regions. By comparing the reportages with similar documents published in the same decade by the Argentine magazine Plus Ultra, I also show that this was not something exclusive to Peru, but rather part of a broader Americanist trend that was shaping the relationship between native tradition and modernization as well as giving form to a proposal for a ‘pan-American’ identity in the 1920s.     

The effects of microfinance programs on women members in traditional societies

One of the stated goals of microfinance programs is to increase the bargaining power of women within the household. However, little is known about other ways women in patriarchal communities may be affected by these programs. This study assessed the effects of the membership in a microfinance joint liability group (MJLG) on the lives and social networks of its women members by focusing on the interplay of MJLG practices and gendered cultural practices such as ‘purdah’ (veiling of the face). Using in-depth interviews of 35 women in Lucknow, a city in northern India, the study found that, overall, respondents who were members of an MJLG reported developing new and stronger relationships with other members of the group. These social interactions were found to be deeper among women who were using the microloans for self-employment than among women who were redirecting their loan funds to other family members. The study also found that the adaptability of microfinance organizations to the local culture appeared to enable women to join MJLGs with ease and to contribute economically to their families.