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Research Proposal: Exploring the Interdisciplinary Dynamics of Credit Access, Debt, and

Inequality

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Research Proposal: Exploring the Interdisciplinary Dynamics of Credit Access, Debt, and

Inequality

1. Introduction

In this age, problematic issues of inequalities in credit access, accrual of debt, and

consequent economic inequality are pressing issues of modern society. Credit exclusion adds to

existing disparities and gives rise to vicious cycles of poverty that undermine social mobility. This

research proposal, by elucidating the multifaceted interplay between credit access, debt levels, and

inequality from an interdisciplinary angle, seeks to address this critical issue. The interdependence

of economics, sociology, and political science will add more depth to the mechanisms that drive

credit exclusion and heighten social equity.

2. Rationale for Study

The credit access, debt, and inequality research is essential because of its broad societal

effects across most individuals’ quality of life issues, social cohesion, and economic stability. The

simple process of credit can trigger economic development and financial advancement. However,

it is counterproductive at times to the point of deepening the economy disparities when more

vulnerable communities are subjected to excessive borrowings (Sorokina, 2019). An

interdisciplinary approach is the right way that should examine the root causes of credit exclusion,

its effect on stratification and the social aspects of the issue through an economic, sociocultural

and political lens.

Given its interdisciplinary approach, this research intends to dig deep into it to understand

how social systems, marketplaces, and the policy frameworks affect the patterns of credit access

and accumulation of debts. In doing so, this study not only seeks to explore the area of credit

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exclusion in the wider picture, but also tries to discover the multi-disciplinary insights towards the

deep-rooted nature of credit exclusion that enables economic inclusivity.

3. Problem Statement

Inequalities in credit access, rather than stimulating debt accumulation, only perpetuate

social economic imbalances hence creating more loopholes that threatening efforts in supporting

social justice. Although the situation has come to some extent, the enforcement of strict regulations

and consumer protection coupled with the disadvantaged groups, such as, the racial minorities and

people with low income, may still face obstacles to accessing cheap credit. This thus creates a

circle of poverty where merrticians cannot have independence and social inequalities continue to

excite. Also, there is a rampant borrowing-lending schemes with much higher interests and the

commoditization of the debt, which makes people live their lives in debt bondage, where they may

end up with no way of breaking free from the cycles of financial insecurity. To be able to deal with

inequality and economic justice, it is required at minimum to give the entraining drivers for

unequal distribution of credit and debt accumulation.

4. Interdisciplinary Perspective

The research design in this study adopts a holistic, multidisciplinary approach to explore

complex dynamics about credit access, debt accumulation, and inequality. Economics, sociology,

and political science form the theoretical underpinnings for this exploration.

a. Economics: Economic theory provides understanding of how the financial markets work

and the sources of credit. It also explains debt accumulation at the macroeconomic level (Botta,

2022). However, the economists dedicate their efforts to analyzing and modelling key economic

indicators in an effort to discover the underlying structural holes that lead to credit constraints and,

subsequently, provide policy recommendations that promote financial inclusion.

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b. Sociology: Sociology is credited with important contributions which relate credit access

as well as debt to social and cultural factors (Krige, 2019). Thus, with the utilization of techniques

such as ethnography and interviews wherein the social conditions and ways of life of communities

can be understood, sociologists will examine how the ways people hold the various social roles

and methods of borrowing and lending will influence or intimidate the prospect of independence

among individuals. Social identity as well as community norms and institutional practices

governing credit access serve as inputs to sociology which explicate how exclusion takes place

and what strategies could promote fairness.

c. Political Science: Political science provides the insights concerned with the revealed

functions of government institutions, regulatory frameworks, and policy interventions to explain

the patterns of credit availability and debt accumulation among the population (Echeverri-Gent,

2023). Reforming credit exclusion policy is a complex process. It incorporates different methods,

such as legislative debates, regulatory attempts, and lobbying efforts. Through the study of existing

policies and the identification of the deficiencies, the political scientists will be able to propose the

necessary reforms. Besides that, political science provides with the information on the forces and

relations in regards of regulation of the financial policies and how specific lobbying groups have

an impact on shaping the credit market.

5. Conclusion

To conclude, this research proposal aims to discover complex correlation between credit access,

debt levels, and inequality that integrates interdisciplinary view of economics, sociology and

political science. The study’s aim is to draw on these views and create more enlightened thinking

for systemic drivers of credit dumping and also offer ways for substantial economic inclusivity.

This research based on empirical modelling and theoretical investigation would fill the

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knowledge gap regarding how these domains of finance, inequality and policy interact with each

other.

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References

Botta, A., Caverzasi, E., & Russo, A. (2022). When complexity meets finance: A contribution to

the study of the macroeconomic effects of complex financial systems. Research Policy,

51(8), 103990.

Echeverri-Gent, J. (2023). The state and the poor: Public policy and political development in

India and the United States. Univ of California Press.

Krige, D. (2019). Debt/credit, money and social relationships in the underground credit markets

of Soweto, South Africa. Social Science Information, 58(3), 403-429.

Sorokina, V. V. (2019). A nonprofit commercial community land trust as a method for more

equitable and sustainable development in Chicago (Doctoral dissertation, University of

Georgia).

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