WISER Seminar Papers

  • WISER's TRUST seminar is hosted on-line every Monday afternoon from 16:00 - 17:00 SA time during the teaching semester. Forthcoming seminars are available here, and past events are detailed in our archive.
  • Please register on Zoom in advance of the meeting on this link.
  • Participants should please read the paper (below) prior to the seminar; it will typically be available by the Friday preceding the seminar.

In this semester, the Trust seminar will explore questions of credit and debt on the African continent. In contrast with the argument that trust and confidence are synonymous (most evident in the Edelman Trust Barometer and the reporting around it), some of the most convincing scholarship argues for the direct association of trust with credit.  Other researchers, studying informal African institutions, have found credit everywhere on this continent, but little that can be associated with trust. Some state institutions (like SACCOs in Kenya) and simpler penalties, like efficient bankruptcy laws, seem also to be instrumental in shaping the politics of credit. One key driver of credit systems is a secondary market, which depends in part on institutions and information that derive from (and support) fiduciaries. These are especially important in the contemporary tensions between firm-based and individualised credit systems. The seminar series this semester will explore some of these dynamics, examining how they have shaped the cultures and politics of debt and credit from the precolonial to the contemporary period.

Presented by : Shuaib Jalal-Eddeen

30 Sep 2026 - 4:00pm

This article examines the resistance strategies employed by fintech users in Jimeta, Nigeria against the violent techniques used by fintech companies to enforce loan repayments. While efforts to extend access to financial services are framed as financial inclusion, they are often entangled with exploitative practices -- what the article terms financial*ised* inclusion -- marked by opaque loan terms, data extraction and violent practices. Drawing on nine months of ethnographic research, the article investigates the heterogeneous strategies that fintech users employ to disentangle themselves from such violence, including 'keeping a distance', 'moving' and 'seeking support'. These practices reveal that fintech users are not passive recipients of fintech's disciplinary power, but rather active agents in resisting it. The findings contribute to debates on financialisation, debt and resistance by addressing the limited understanding of how African fintech users contest the ethos of commodity calculation and by enriching scholarship on resistance to everyday technologies.
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