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This work explores how creditworthiness acts as a knowledge object influencing the formation of subjects in the credit economy.

June 3, 2026Open Access

"Credit and Worthiness": Forming and Organizing Subjects in the Credit Economy

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Theoretical analysis of creditworthiness shapes market subjects, suggesting systemic economic implications.

This work explores how creditworthiness acts as a knowledge object influencing the formation of subjects in the credit economy.
Case studies analyzing the establishment of creditworthiness through FHA practices and the Community Reinvestment Act.
Examination of ongoing dynamics within the Fringe Economy of Alternative Financial Services.
Creditworthiness is revealed as a constructed knowledge that intersects with racial factors in market dynamics.
Systems of creditworthiness lead to the formation of market subjects from whom wealth is extracted in a systemic manner.

Arahi Fletcher (2023) studied this question.

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