Munich Personal RePEc Archive

Destapando la Caja Negra: Sociologías de los Créditos de Consumo en Chile

Ossandón, José (2012): Destapando la Caja Negra: Sociologías de los Créditos de Consumo en Chile. Published in: (January 2012): pp. 1-132.

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Abstract

There is no doubt; consumer credits are more and more present in the economic life of the Chileans. It is enough to go to any shopping mall, supermarket or even medical centre to realize that today it is possible to buy almost everything with some kind of loan. The expansion of consumer credit has not passed unnoticed by local researchers. But they have been interested mostly in two main sides of this process: the social consequences, such as consumerism and over-indebtedness, of the expansion of consumer credit, and, those regulatory elements that would have shaped the particular characteristic of this industry. However, almost nothing has been yet said about what happens in-between these poles, in the firms and institutions that are behind each loan. The chapters included in this volume explore this “black box”.

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