Revista Mal Estar e Subjetividade
versão ISSN 1518-6148
HENNIGEN, Inês. Superendividamento dos consumidores: uma abordagem a partir da Psicologia Social. Rev. Mal-Estar Subj. [online]. 2010, vol.10, n.4, pp. 1173-1202. ISSN 1518-6148.
The overindebtedness of the consumers is such an important social phenomenon that many countries already have specific laws for its treatment. However, this issue concerns not only the legal field since it configure itself as a serious and increasing social problem that requires for its understanding and confrontation the articulation of different disciplines. In this article I discuss, from the perspective of Social Psychology, its conditions of production in order to approach the subjective implications of overindebtedness and the role of media and advertising in its development. At first I discuss the constitution of the consumption culture and indebtedness society and point the role of psychology, when in the service of marketing, in the process of construction of the consumer subject. Then, I contest the conception of subject based on the notion of inner essence and the perspectives that understand the excessive indebtedness from an individual point of view. I oppose to these with a procedural understanding of subjectivation that considers subjetictivacion an effect of socio-cultural configurations, of discursive practices taken as truth in a certain time and social space. Because of this, I emphasize the importance to be aware of the role of media narratives in the constitution of subjectivation in the contemporary society. Arguing the overindebtness, I point out the need to study and question the credit advertising and incorporation, in the financial market, of the potentially more vulnerable social groups such as seniors/pensioners and the low income population. Finally, I present a pilot project of the Rio Grande do Sul judiciary for the treatment of overindebtedness situations and resume the questions that, in my point of view, need to be contemplated by Social Psychology field.
Palavras-chave : Overindebtedness; Consumption; Media; Advertising; Subjectivation ways.