The purpose of this article is to contribute to better understanding human rights violations in the context of private debt, focusing specifically on individual and household debt offered by a range of lending actors, whether operating in formal or informal settings. There are two drivers of the rising private indebtedness: first, the flourishing supply side of finance, with deregulation and increasing financialization being its facilitating instruments; second, the reconfiguration of many human needs for social reproduction that become unmet needs paralleled by a colossal failure of the state to ensure economic, social, and cultural rights for all. This article finds that private debt can be both the cause and consequence of human rights violations. It specifically studies the negative human rights implications of microcredit, health, education, housing-related debts, and abusive collection practices, including the criminalization of debtors, consumer and migration-related debts, and debt bondage.

本文的目的是帮助更好地理解私人债务中的侵犯人权行为，特别关注一系列借贷行为者在正式或非正式环境中提供的个人和家庭债务。私人债务上升的驱动因素有两个：第一，金融的供给旺盛，放松管制和促进金融化是其促进手段。其次，许多人类对社会再生产的需求已经重新配置，这些需求变成了无法满足的需求，与此同时，国家在确保所有人的经济，社会和文化权利方面的全面失败。本文发现，私人债务既可能是侵犯人权的原因，也可能是其后果。它专门研究了小额信贷，健康，教育，