DEPLETED BY DEBT? FOCUSING A GENDERED LENS ON CLIMATE RESILIENCE, CREDIT, AND NUTRITION IN TRANSLOCAL CAMBODIA AND SOUTH INDIA

Lead Research Organisation: Royal Holloway University of London
Department Name: Geography

Abstract

Small-scale credit is exalted in mainstream development thinking as a key means of supporting women and their families in dealing with daily, ongoing, and often slow-onset climate disasters. Facing growing crises of agricultural productivity from droughts and floods, and taking primary responsibility for the nutritional wellbeing of their households, women are targeted as credit borrowers globally. Credit provisioning therefore speaks to the push for 'resilience' against climate disasters that is central to Sustainable Development Goal (SDG) 13, 'Take urgent action to combat climate change and its impacts', and which has serious implications for SDG 5 'Achieve gender equality and empower all women and girls' that prioritises the valuing and recognition of women's unpaid care and domestic work. How do we ensure, then, that 'climate resilience' does not come at the cost of women's emotional and bodily depletion through processes of household nutrition provisioning? This is the key concern motivating this two-year project which asks:

(1) In what ways is credit, as a form of climate resilience, shaping nutritional provisioning?

(2) How are the dynamics of nutrition provisioning and credit-taking in a changing climate being experienced and visualised?

(3) What are the gender and social reproductive dynamics of the climate-credit-nutrition nexus?

(4) What lessons can be learned to deliver improved and more equitable credit provisioning and nutritional outcomes to households and communities affected by slow-onset climate disasters?

The project's methodology is anchored in environmental science, visual arts, and social science methods which are combined into a well-integrated research design to effectively probe these complex questions. Set within the political economy contexts of Cambodia and Tamil Nadu, India, fieldwork encompasses the collection of environmental profiles, socio-economic and nutritional indicators, measurements of energy expenditure, and oral and visual analysis; all through a lens that foregrounds gender dynamics. In each country, research will be carried out in 3 rural villages and 2 industrial worksites given that rural households are often maintained by labour migrants engaged in non-rural work.

The 20-strong interdisciplinary team of investigators, consultants, and a seconded UN Women staff member, from Cambodia, India, the UK, and continental Europe, will work together with non-governmental and private sector project partners, and an advisory board of (non)academic experts, to deliver this ground-breaking research. The project will also foster the research excellence and development of 7 early career researchers, the majority of whom are women, and/or black, Asian or minority ethnic (BAME). Mentorship includes two early-career residential writing retreats, one in Cambodia and one in India, to support the development of publication writing skills and confidence.

The research will be published across 10 journal articles, an accessibly-written project report, and 6 policy briefs (in English, Khmer, and Tamil) which will bring together (non)-academics from 6 stakeholder workshops to amplify the integrated research findings and enhance policy impact. A unique and compelling exhibition of participant and artist photography will also be shown in Phnom Penh, Chennai, and London, to promote the research to a wider audience still. The exhibition will act as a space for the project report launch, galvanise media interest, and will be timed during the stakeholder workshops to maximise impact on political, developmental, and private sector decision-makers.

Ultimately, given the status accorded to small-scale credit as a significant lever in the implementation of the 2030 Agenda for Sustainable Development, our research is crucial to informing its thinking on, and operationalisation of, gender-equitable climate resilience.

Planned Impact

The project develops policy-relevant analysis to facilitate more gender-equitable credit provisioning as a tool of climate resilience amongst rural communities in Cambodia, India, and beyond. It has been designed principally to ensure that multi-faceted perspectives from indebted rural households are elevated alongside other forms of data collection, and so that beneficiary voices are central to analysis and subsequent policy work.

Furthermore, relevant academics and user organisations are foregrounded within to research design and implementation. To achieve this, the team brings together an interdisciplinary group of scholars from Cambodia, India, the UK, and continental Europe, with development practitioners and researchers from UN WOMEN in Cambodia, and the National Institute of Rural Development and Development of Humane Action (DHAN) Foundation in India. We have planned for dialogue among researchers and stakeholders from the outset of the project via two in-country Pre-Fieldwork Workshops, and an All-Project Workshop to synthesise the research findings and plan our outputs and impact activities.

The impact of our research will also be enhanced further by:

(1) Regular blogs and podcasts which will make for a dynamic project website, and a dedicated Twitter account to build the presence of our research.

(2) A Dedicated media strategy to accompany the launch of the report in Cambodia, India, and London, including local context-specific press releases for different aspects of the research findings, a curated set of images for media use, and team members ready to undertake broadcast interviews where necessary.

(3) An accessibly-written project report, in English, Khmer, and Tamil, with forewords from high-profile policy actors which will set out the key findings and policy recommendations of the research, including for the Sustainable Development Goals (SDGs). These will also feature participant and artist photography.

(4) Local community showcasing of participants' Photovoice research to foreground their experiences and needs to individuals within their communities who wield the power to make decisions that can affect positive change.

(5) An exhibition of participants' Photovoice and artists' photography shown in Phnom Penh, Chennai, and London. This will not only raise the profile of participants' experiences, but also the careers of artists Sophal Neak and Chinar Shah. The exhibition will act as a catalyst for the project report launch, galvanise media interest, and will be timed during the stakeholder workshops to maximise its audience and impact. The exhibition in each city will provide public audiences with an intimate and nuanced understanding of climate resilience, credit, and nutrition in specific relation to the GCRF project. It will therefore make a research and impact-informed case for arts and humanities having a critical role to play in understanding and tackling global challenges.

(6) Invited presentations to research users (and project partners) including the United Nations Development Programme (UNDP) in Cambodia, and the World Council of Credit Unions (WOCCU) Annual Conference which brings together 800+ credit union executives from 60 countries. This will allow for high-level engagement with policy stakeholders, with a view to engendering impacts beyond Cambodia and India alone.

(7) 6 in-country stakeholder workshops and policy briefs to enhance dialogue amongst research users in-country. Workshops are co-hosted with our non-academic project partners and will stimulate interactive and integrative learning across the climate-credit-nutrition nexus amongst key government, (I)NGO and private sector decision-makers. They will also be rooted in the national and local policy context, therefore ensuring that subsequent outputs are tailored and optimised for in-country impact.
 
Title 'Brickwork' artwork by Chinar Shah 
Description BrickWork - the book and digital exhibition - is a result of interactions with brick workers in two villages in Tamil Nadu with radically different geographical conditions, over the course of 2021-2022. Brick work in Tamil Nadu is entrenched in caste hierarchies, and most brick workers live in what is commonly known as 'colonies'- a separate living arrangement for Dalit communities. The images attempt to portray caste-based debt relations, working conditions, access to basic necessities, and the emotional journeys of rural debt after the outbreak of covid-19 and the resultant lockdowns. Centered around women's experiences of debt and brick work, these disembodied images bring together text and image to visualize the landscape of debt. 
Type Of Art Artistic/Creative Exhibition 
Year Produced 2023 
Impact None yet 
URL https://www.debt-climate-health.org/brickwork
 
Title 'Treasure' exhibition by Sophal Neak 
Description Treasure is an exhibition by team member Sophal Neak. Treasure introduces a new body of work by Sophal Neak consisting of 24 portrait photographs and a video documenting the lives and perseverance of farming families from three provinces in Cambodia. It ran at the FT Gallery, Phnom Penh between 17 September-1 October 2022. 
Type Of Art Artistic/Creative Exhibition 
Year Produced 2022 
Impact Follow-up publication and digital reach via website. https://www.debt-climate-health.org/treasure 
URL https://www.phnompenhpost.com/lifestyle-arts-culture/new-exhibition-shares-stories-farmers-resolve
 
Description Running between 2019 and 2022, the project 'Depleted by Debt? Focusing a gendered lens on climate resilience, credit and nutrition in Cambodia and South India' has undertaken cutting-edge interdisciplinary research during the COVID-19 pandemic on some of the most pressing issues impacting rural communities today. The findings show how household over-indebtedness needs to be understood and tackled in tandem with the climate crisis and the negative impacts these are both having on people's health and well-being.

In Cambodia the evidence demonstrates, first, that household debt is manifesting as a public health crisis which is fuelling the health poverty trap in rural Cambodia. Second, we show how microfinance loans are leading to an over-indebtedness emergency that undermines borrowers' long-term coping and adaptive capacity in a changing climate. Together, the findings in Cambodia offer new and compelling data on the multiple ways in which people's aspirations for good health and transformative climate adaptation are trapped by debt.

In India the findings speak to the dramatic consequences of the Covid-19 pandemic and lockdowns on gender inequalities. The data shows that the pandemic and lockdown have intensified preexisting chronic crises of underemployment and food insecurity caused by neoliberal policies and climate change. It has also been shown that women were instrumental in helping families cope with the shock of the pandemic and ensuring what feminists call "social reproduction", i.e. the capacity of households and societies to sustain life. As societies become increasingly financialized, including in the global South, the gender of debt can no longer be ignored.
Exploitation Route The relationship between health and climate change is increasingly in the spotlight. The outcomes of the funding will help shape the evidence-base and debates on this relationship, and will ensure that debt-taking as financialised resilience receives critical attention given the myriad issues raised in the Cambodia and India-focused research.
Sectors Agriculture, Food and Drink,Communities and Social Services/Policy,Environment,Financial Services, and Management Consultancy,Healthcare,Government, Democracy and Justice

URL https://www.debt-climate-health.org
 
Description Invitation presentation to FCDO
Geographic Reach National 
Policy Influence Type Influenced training of practitioners or researchers
 
Description Organised meeting, Phnom Penh, with Ministry of Finance on "Indebtedness and Climate Adaptation"
Geographic Reach National 
Policy Influence Type Implementation circular/rapid advice/letter to e.g. Ministry of Health
Impact Representatives of Ministry of Finance were made aware of the risk of microfinance over-indebtedness on households' adaptation capacity.
 
Description Organised meeting, Phnom Penh, with one microfinance institution on "Indebtedness and Climate Adaptation"
Geographic Reach National 
Policy Influence Type Implementation circular/rapid advice/letter to e.g. Ministry of Health
Impact Representatives of microfinance institutions were made aware of the risk of over-indebtedness and the risk that climate changes poses to their operations.
 
Description Organised meeting, Phnom Penh, with one microfinance institution on "Indebtedness and Climate Adaptation"
Geographic Reach National 
Policy Influence Type Implementation circular/rapid advice/letter to e.g. Ministry of Health
Impact Representatives of microfinance institution were made aware of the possible risks attached to over-indebtedness and the risks climate change pose to their operations.
 
Description Organised meeting, Phnom Penh, with one microfinance institution on "Indebtedness and Climate Adaptation"
Geographic Reach National 
Policy Influence Type Implementation circular/rapid advice/letter to e.g. Ministry of Health
Impact Representatives of microfinance institutions were made aware of the risk of over-indebtedness and the risk that climate changes poses to their operations.
 
Description Landmark Futures
Amount £1,000 (GBP)
Organisation The Landmark Trust 
Sector Charity/Non Profit
Country United Kingdom
Start 01/2023 
End 01/2023
 
Description "Building up debt traps: Risk, climate adaptation and microfinance" 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact Broaden audience
Year(s) Of Engagement Activity 2022
URL https://developingeconomics.org/2022/11/29/building-up-debt-traps-risk-climate-adaptation-and-microf...
 
Description "Depleted by Debt? Focusing a Gendered Lens on Climate Resilience, Credit, and Nutrition in Cambodia" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Royal Geographical Society conference
Year(s) Of Engagement Activity 2021
 
Description "Depletion through adaptation: The case of micro climate finance in rural Cambodia" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Global Economic Geography Conference, Dublin.
Year(s) Of Engagement Activity 2022
 
Description "Exclusionary financial inclusion: Microfinance and Covid-19 in Tamil Nadu" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Development Studies Association annual conference
Year(s) Of Engagement Activity 2021
 
Description "How India's Financial Inclusion Infrastructure Failed During the Pandemic" 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact The Wire
Year(s) Of Engagement Activity 2021
URL https://thewire.in/rights/how-indias-financial-inclusion-infrastructure-failed-during-the-pandemic
 
Description "Living on the edge: Debt, farming and precarity in rural Cambodia" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact RGS-IBG conference, session: Depletion through Social Reproduction.
Year(s) Of Engagement Activity 2021
 
Description "The limitations of SHGs as a channel for gendered anti-poverty interventions: Evidence from Tamil Nadu during the Covid-19 pandemic." 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Workshop on Labour in India in the Time of a Pandemic held online on September 8th and 9th 2021 by the University of Sussex and IRD, Paris.
Year(s) Of Engagement Activity 2021
 
Description 'Treasure' exhibition launch, Phnom Penh 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Public/other audiences
Results and Impact Treasure is an exhibition by team member Sophal Neak. Treasure introduces a new body of work by Sophal Neak consisting of 24 portrait photographs and a video documenting the lives and perseverance of farming families from three provinces in Cambodia. It ran at the FT Gallery, Phnom Penh between 17 September-1 October 2022. The launch event took place on 17 September 2022.
Year(s) Of Engagement Activity 2022
URL https://www.phnompenhpost.com/lifestyle-arts-culture/new-exhibition-shares-stories-farmers-resolve
 
Description CNBC media article "Hit by climate change, farmers in Cambodia are risking everything on microfinance loans" 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact Media coverage of report launch on Microfinance, climate change and over-indebtedness
Year(s) Of Engagement Activity 2022
URL https://www.cnbc.com/2022/12/27/facing-climate-change-asia-farmers-turn-to-risky-microfinance-loans....
 
Description Conference presentation at 4th IGPC IIMA Gold and Gold Markets Conference: "Using gold to cope - and coping with obligations to gift gold - in the time of Covid-19" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Other audiences
Results and Impact 4th IGPC IIMA Gold and Gold Markets Conference
Year(s) Of Engagement Activity 2021
URL https://www.iima.ac.in/web/areas-and-centres/research-centers/igpc/iima-igpc-conference-on-gold-and-...
 
Description Conference presentation at The Association for Heterodox Economics: "Credit where credit is due? Interrogating the gendered dimensions of credit as 'climate resilience' in the Covid-19 crisis in India" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact 22nd ANNUAL CONFERENCE OF THE ASSOCIATION FOR HETERODOX ECONOMICS
Date: 30/07/2020
Location: online
Presented by: Nithya Natarajan, Nithya Joseph
Other Authors: G. Venkatasubramanian, Isabelle Guerin, Fiorella Picchioni, Vincent Guermond, Milford Bateman
Title: Credit where credit is due? Interrogating the gendered dimensions of credit as 'climate resilience' in the Covid-19 crisis in India
Year(s) Of Engagement Activity 2020
 
Description Diplomat media article "Cambodia Microfinance Should be Taxed to Address Climate Change Impact, Research Says" 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact Media reporting from launch of report on Microfinance, over-indebtedness and climate change in Cambodia
Year(s) Of Engagement Activity 2022
URL https://thediplomat.com/2022/10/cambodia-microfinance-should-be-taxed-to-address-climate-change-impa...
 
Description Microfinance and household debt in India 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Professional Practitioners
Results and Impact With Dvara Research, the Co-I institution - the French Institute of Pondicherry - organised a joint workshop in Chennai, South India, to discuss study fundings. By bringing together academics, practitioners, investors, and policymakers, this workshop took stock of the COVID crisis's effects and proposed ways forward. These concerned (i) how the microfinance sector can meaningfully serve the poorest or most vulnerable, especially during times of extreme distress and (il) principles that the government, regulators and practitioners should be guided by when designing policies to mitigate debt distress for low-income households.
Year(s) Of Engagement Activity 2022
URL https://www.ifpindia.org/ifp-in-spotlight/local-food-systems-monthly-event-june-10-930am-to-1230pm-4...
 
Description Microfinance loans could spell disaster in the time of coronavirus 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Media (as a channel to the public)
Results and Impact The Conversation
Year(s) Of Engagement Activity 2020
URL https://theconversation.com/microfinance-loans-could-spell-disaster-in-the-time-of-coronavirus-14019...
 
Description Organised event, Phnom Penh, Cambodia: "Microfinance, over-indebtedness and climate adaptation: New evidence from rural Cambodia" 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact Report launch with representatives of Cambodian government, (I)NGOs, academic and civil society.
Year(s) Of Engagement Activity 2022
 
Description Organised event, Phnom Penh, Cambodia: "Trapped in the service of debt: How the burdens of repayment are fuelling the health poverty trap in rural Cambodia" 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Policymakers/politicians
Results and Impact The launch was aimed at government policy makers, civil society stakeholders and observers who may be interested to learn from the findings and recommendations of the report, as well as providing opportunity for questions, comments, and feedback.

Panellists: Samnang Lor (Program Coordinator at Future Forum) and Bunna Phoeun (Clinical Psychologist, EMDR Therapist & Consultant at EMDR Association Cambodia)

Combining extensive quantitative surveys and in-depth qualitative research across 2020-2022, the report highlights how 'Health for All' cannot be achieved without considering the significance and impacts of debts - most commonly microfinance ones - taken on by rural households to cope with poverty, the costs of healthcare, food, and small-scale efforts to adapt to climate change. Resultant over-indebtedness is, however, fuelling not alleviating, the health poverty trap in Cambodia. It is associated with increased short-term health sacrifices made to repay debt, and physical, mental, and social suffering that is endured in the longer term.
Year(s) Of Engagement Activity 2022
URL https://static1.squarespace.com/static/62f2cf0e5c1d785dc4090f66/t/634fbde0990cbc59bf35d4f3/166617034...
 
Description Published blog in The Conversation: Feminist struggles in times of pandemic: lessons from rural India 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Public/other audiences
Results and Impact None identified.
Year(s) Of Engagement Activity 2021
URL https://theconversation.com/feminist-struggles-in-times-of-pandemic-lessons-from-rural-india-157084
 
Description Regional Studies Association keynote: Finance and Space: Sustainable Financing and Unsustainable Debt 
Form Of Engagement Activity Participation in an activity, workshop or similar
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact Household over-indebtedness needs to be tackled in tandem with the climate crisis and the negative impacts these are both having on people's health and well-being. This is the argument of the plenary, evidenced through mixed method data and artist-intervention in Cambodia (and India) from 2019-2022 funded by UKRI GCRF. Microfinance borrowing has become an inescapable aspect of farming in a changing climate. Yet the 'Depleted by Debt?' study shows that rather than resolving a short-term shock, microcredit is being incorporated into already stressed and vulnerable livelihoods, undermining long-term coping and, as a result, adaptive capacity in many cases. Indebtedness, in turn, becomes over-indebtedness as borrowers face adverse consequences as the price of their financialised resilience. The plenary therefore offers cautionary evidence on microfinance for climate adaptation.
Year(s) Of Engagement Activity 2023
URL https://www.regionalstudies.org/news/2023-rsa-annual-plenary-sessions/#!
 
Description Talk at KCL COVID19 Methods Symposium: "Interrogating Financial Inclusion during the Covid Pandemic in India: Methodological Notes" 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Other audiences
Results and Impact 'Interrogating Financial Inclusion during the Covid Pandemic in India: Methodological Notes'
International Fieldwork during the Pandemic, a Symposium. King's College, London. January, 2021
Year(s) Of Engagement Activity 2021
 
Description Talk at LSE - Microfinance, debt and climate change adaptation in Cambodia 
Form Of Engagement Activity A talk or presentation
Part Of Official Scheme? No
Geographic Reach Local
Primary Audience Other audiences
Results and Impact 8 postgrad+staff attended the talk, which sparked questions and discussion afterwards, and colleagues mentioned the need for further research on this topic.
Year(s) Of Engagement Activity 2023
 
Description The Conversation - "Microfinance loans could spell disaster in the time of coronavirus" 
Form Of Engagement Activity Engagement focused website, blog or social media channel
Part Of Official Scheme? No
Geographic Reach International
Primary Audience Public/other audiences
Results and Impact Guermond, V; Parsons, L; Joseph N, and Natarajan, N., 2020 'Microfinance loans could spell disaster in the time of coronavirus', 2020, The Conversation, https://theconversation.com/microfinance-loans-could-spell-disaster-in-the-time-of-coronavirus-140197
Year(s) Of Engagement Activity 2020
URL https://theconversation.com/microfinance-loans-could-spell-disaster-in-the-time-of-coronavirus-14019...
 
Description The Phnom Penh Post "New exhibition shares stories of farmers' resolve" 
Form Of Engagement Activity A press release, press conference or response to a media enquiry/interview
Part Of Official Scheme? No
Geographic Reach National
Primary Audience Public/other audiences
Results and Impact Promote 'Treasure' exhibition and the artwork.
Year(s) Of Engagement Activity 2022
URL https://www.phnompenhpost.com/lifestyle-arts-culture/new-exhibition-shares-stories-farmers-resolve