La nueva pobreza. El desahucio como proceso de exclusión

Autor: Giró Miranda, JoaquínSabater Fernández, María Carmen

Tipo de documento: Artículo de revista

Revista: Ehquidad International Welfare Policies and Social Work Journal. Año: 2015. Número: 3. Páginas: 77-106.

doi 10.15257/ehquidad.2015.0004Texto completo open access 

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Resumen: La socialización de la pobreza representa un crecimiento cualitativo y cuantitativo del fenómeno, debido al incremento del riesgo en diferentes dimensiones vitales. La ruptura de la relación salarial se considera como uno de los principales factores de riesgo de exclusión que, junto a otras variables biográficas como la salud, la estabilidad familiar o la educación, genera nuevas dinámicas de vulnerabilidad también en colectivos de clase media. En este artículo, la atención se focaliza en los segmentos afectados por esta “acumulación de desventajas” en un proceso que ha derivado en la imposibilidad de hacer frente a la hipoteca asociada al pago de la vivienda principal. Para analizar este fenómeno, se ha utilizado un marco metodológico, basado en la triangulación, con análisis cuantitativos y cualitativos con una muestra de afectados por la hipoteca y responsables de asociaciones como la Plataforma de Afectados por la Hipoteca (PAH). Los resultados reflejan una imagen diversa y compleja, con la presencia de perfiles heterogéneos que sólo comparten la quiebra de un empleo y la relación salarial estable, u otros problemas vitales que se añaden como separaciones y/o enfermedades. El concepto-enfoque de la exclusión social nos permite delimitar las características de los itinerarios hacia el desahucio --- The socialization of poverty represents a qualitative and quantitative growth of the phenomenon, due to the increased risk in different dimensions of life. The breakdown of the wage relationship is structured as a major risk factor of exclusion, along with other biographical variables such as health, family stability or education, generates new dynamics of vulnerability in middle-class groups . In this paper, attention is focused on the segments affected by this "accumulation of disadvantage" in a process that has resulted in the inability to cope with the mortgage payments associated with the main dwelling. To analyze this phenomenon, we used a methodological framework based on the triangulation, with a quantitative study based on a survey of 70 affected and a qualitative study based on 15 interviews with heads of associations, such as PAH, and holders homes in this situation. The results show an image diverse and complex, the presence of heterogeneous profiles share only, and not in all cases, the failure to pay stable relationship that usually appears together with other vital problems (separations, diseases...). The concept-approach “social exclusion” allows us to define some of the characteristics of the routes towards the eviction