This article argues that precarity partly arises from the growth of household debt in the age of rentier capitalism. It examines the mechanisms of neoliberal finance and its debt-based economic growth model in shaping precarious work and life in Kyrgyzstan. The unequal social relationship between lenders and borrowers generates considerable economic dispossession, appropriation, precarity, and harm. For debt-ridden micro-entrepreneurs, some of the pressures and consequences of debt are acutely felt within their family context, where members struggle to negotiate and ameliorate the impact. By drawing on three case studies of a small farmer, a bakery owner, and a petty trader turned petty producer, the article examines how usurious interest loans plunged them and their families into distress, insecurity, fear, loss, and powerlessness. The first-person accounts of these micro-entrepreneurs-cum-borrowers explain how debt was produced and experienced, and how it was inseparable from the country's rentier capitalist transformation. The study also draws on twenty-nine semi-structured interviews with financial institutions and thirty-three semi-structured interviews with borrowers conducted in Kyrgyzstan.

本文认为，不稳定的部分原因是食利资本主义时代家庭债务的增长。它研究了新自由主义金融及其基于债务的经济增长模式在塑造吉尔吉斯斯坦不稳定的工作和生活方面的机制。贷款人和借款人之间不平等的社会关系造成了相当大的经济剥夺、侵占、不稳定和伤害。对于负债累累的微型企业家来说，债务带来的一些压力和后果在他们的家庭背景下会被敏锐地感受到，家庭成员会努力谈判并减轻影响。通过对小农、面包店老板和小商贩转型为小生产者的三个案例研究，本文探讨了高利贷如何使他们及其家人陷入困境、不安全、恐惧、损失和无能为力。这些微型企业家兼借款人的第一人称叙述解释了债务是如何产生和经历的，以及它如何与该国的食利资本主义转型密不可分。该研究还借鉴了吉尔吉斯斯坦对金融机构进行的 29 次半结构化访谈以及对借款人进行的 33 次半结构化访谈。