Abstract

Housing microfinance schemes for self-organized housing have been incorporated into Mexican housing policies since 2007. This is the result of World Bank loans to Mexico but also of housing activists who for decades have advocated for the development of financial instruments to support the ‘social production of housing’—a concept defined by them as a type of housing production geared to meet families’ shelter needs rather than to enhance capital accumulation. While these World Bank housing loans were mainly oriented to strengthen the housing finance sector, the housing activists pushed for the inclusion of saving and credit cooperatives as housing microfinance providers. These cooperatives seek to promote at the local level, alternative development projects built on solidarity economy principles. Taking inspiration from critical literature on the co-optation of progressive actors by international financial institutions we highlight the activists’ agency and examine their role at the community level. We argue that processes of co-optation pushed by international financial institutions can always be contested and negotiated at a local level. We propose that, in this case, the engagement of progressive actors such as saving and credit cooperatives working according to principles of the solidarity economy could open political opportunities to subvert financial rationalities inscribed in the housing finance schemes of the World Bank.

中文翻译：

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墨西哥低收入地区的住房小额信贷，储蓄和信贷合作社以及社区发展

摘要

自2007年以来，自组织住房的住房小额信贷计划已纳入墨西哥的住房政策。这是世界银行向墨西哥提供贷款的结果，也是几十年来一直倡导发展金融工具以支持“社会生产”的住房活动家的结果。 “住房”这一概念，他们将其定义为一种住房生产，旨在满足家庭的住房需求，而不是增加资本积累。尽管这些世界银行的住房贷款主要是为了加强住房金融部门，但住房活动家推动将储蓄和信贷合作社纳入住房小额信贷提供者。这些合作社寻求在地方一级促进基于团结经济原则的替代发展项目。从有关国际金融机构如何选择进步参与者的重要文献中汲取灵感，我们重点介绍了积极分子的代理机构，并研究了他们在社区一级的作用。我们认为，国际金融机构推动的增值过程始终可以在地方一级进行辩论和谈判。我们建议，在这种情况下，按照团结经济原则开展工作的进步行动者，例如储蓄和信贷合作社，可以为颠覆世界银行住房融资计划中规定的金融合理性提供政治机会。我们认为，国际金融机构推动的增值过程始终可以在地方一级进行辩论和谈判。我们建议，在这种情况下，按照团结经济原则开展工作的进步行动者，例如储蓄和信贷合作社，可以为颠覆世界银行住房融资计划中规定的金融合理性提供政治机会。我们认为，国际金融机构推动的增值过程始终可以在地方一级进行辩论和谈判。我们建议，在这种情况下，按照团结经济原则开展工作的进步行动者，例如储蓄和信贷合作社，可以为颠覆世界银行住房融资计划中规定的金融合理性提供政治机会。