The making of the indebted wo/man: gendered constructions of fiscal identities and help-giving technologies in Swedish budget and debt counselling

Abstract

ABSTRACT In parallel with increasing levels of household over-indebtedness, dominant discourses position debt problems mainly as resulting from financial mismanagement and character failings on the individual level. The ‘fiscal identity’ of over-indebted is thereby constructed in opposition to current ideals of financial competence and rationality. This article seeks to investigate how these dominant discourses interact with notions of gender in the debt-managing institution of Swedish budget and debt counselling. The aim was to examine the fiscal identities that are constructed in budget and debt counsellor’s talk and written documentation about male and female clients, and the implications these constructions may have for the help-giving technologies implemented. The empirical material consists of 11 focus group interviews with budget and debt counsellors and analysis of documentation. The results show that gendered fiscal identities are constructed, with masculinity being associated with financial competence, autonomy and less need of emotional support and femininity with a lack of financial competence and a need for comprehensive counselling contacts. These gendered constructions implicitly motivate different help-giving technologies for women and men, although the counsellors claim that gender does not influence the help they provide. Age and ethnicity are found to affect these gendered constructions to varying degrees. The results are discussed in relation to the ideals that are (re)produced through the construction of these gendered fiscal identities and help-giving technologies and how debt-managing welfare institutions contribute to the making of the indebted woman and man.