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Debt and Discipline: Consumer Credits in Turkey during the 2000s
(Peter Lang Gmbh, 2020) Sarioz Gokten, Yeliz
Credit plays an important role in the operating of the capitalist mode of production. This function has been no longer limited to removing unevenness between the production area and the circulation area. Today, working classes are indebted not only to housing and durable consumer goods but also to meet basic needs such as basic foodstuffs, education and health. In the face of the growing financing needs of individuals, banks offer consumer loans as a life-facilitating tool. Borrowing creates an illusion of prosperity, resulting in a claim to consumers' future income. The working classes, surrounded by flexible and precarious working conditions, remain passive in the face of debt and seek individual solutions. Credit society emerges as a form of society in which citizenship rights decline. In this study, the phenomenon of debt welfare which has emerged in the last twenty years in developing countries that have been in the process of financial peripheralization is discussed. First, the relationship between financialization and neoliberalism will be emphasized. Another aim is to reveal the relationship between financial sector and financial consumer. After all this, it will focus on financialization experience in Turkey. The role of consumer loans and the indebtedness conditions of working classes will be examined in the light of key indicators.