20.500.12556/RUL-147058 Hitri krediti in dolžniška past: podrejena financializacija in obrobne finance v baltskih državah podrejena financializacija in obrobne finance v baltskih državah Quick cash and debt traps: Subordinated financialization and fringe finance in the Baltic States subordinated financialization and fringe finance in the Baltic States V zadnjih letih je obrobna finančna industrija postala ena najbolj hitro rastočih industrij na svetu. V baltskih državah so poleg drugih drugorazrednih posojil hitri krediti postali sopomenka za oderuške posojilne prakse, ki so se hitro razvile in razširile v prostoru, ki so ga razprli razni družbeni pretresi med finančno krizo leta 2008. V tej magistrski nalogi analiziram finančno industrijo preko teoretičnih raziskav nedavnega vala financializacije in neoliberalnega kapitalizma s podrobnejšim pogledom na režim podrejene financializacije, ki prevladuje v baltskih državah. Vzpon potrošniških kreditov in obrobnega financiranja je podprt z dvoumnimi političnimi navodili nadnacionalnih organizacij ali nacionalnih vlad pod izrazoma »Demokratizacija posojil« in »Finančna vključenost«. Vse večja odvisnost mnogih ljudi od posojil ni naključna in je tesno povezana z globokimi spremembami v delovnih razmerjih, krčenjem socialne države in procesi prekarizacije, ki postajajo sestavni del financializacije vsakdanjih in sodobnih oblik neoliberalne subjektivacije. In recent years the fringe finance industry became one of the largest growing industries globally. In the Baltic States among other sub-prime credit products, payday lending became synonymous with usurious lending practices which rapidly developed and spread in a space opened by various social shocks incurred during the financial crisis of 2008. In this work the rise and containment of fringe finance industry is analyzed through theoretical inquiries into recent wave of financialization and neoliberal capitalism with a closer look at the subordinated financialization regime prevalent in the Baltic States. The rise of consumer credit and fringe finance is supported by ambiguous policy prescriptions by supra-national organizations or national governments under the terms ‘Democratizations of Credit’ and ‘Financial Inclusion’. The ever-increasing reliance on credit by many people is not accidental and closely related to deep transformations in labour relations, retrenchment of welfare state and processes of precarization thus becoming integral part of financialization of everyday and contemporary forms of neoliberal subjectivation. financializacija obrobne finance hitri krediti Vzhodna evropa baltske države financialization fringe finance payday lending Eastern Europe Baltic States true true false V. R. Valiukevičius Angleški jezik Slovenski jezik Baltske države; Magistrsko delo/naloga 2023-06-22 08:30:51 2023-06-22 08:30:55 2023-07-05 09:11:32 0000-00-00 00:00:00 2023 0 Ljubljana 0 Ljubljana 78 str. 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.717.5:330.142.23(474)(043.2) 149123 157732867 10804.pdf 10804.pdf 1 A9DB277F4FB2E05A7110F22522774EB4 2b7a1d66f1d3fff3d0bb21edf80f778a4ba7cbfa2d0403b3dcc4cbc473925672 ff7b5a7c-10c5-11ee-a314-00155dcfd717 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=170407 Fakulteta za družbene vede 0 0 0