Debt Beyond Borders

Abstract: In a time where concern over migrant indebtedness as a cross-cutting development issue is growing around the world, this paper sets out to explore how migrant workers from Myanmar in Thailand perceive loans and debt, and how these perceptions may link with the migrants’ borrowing behaviour. Despite the prominence of the Myanmar-Thai migration corridor and evidence that indebtedness is common amongst Myanmar migrants, research and reliable data on the topic remain scarce, ultimately constituting a barrier to evidence-based interventions and policy-making. As a contribution towards filling this knowledge gap, the present study has interviewed 35 migrant workers from Myanmar to qualitatively explore how they understand and experience loans and debt, as well as investigate how these perceptions may link with their borrowing behaviour. Through an inductive, phenomenologically-inspired research design and guided by Applied Thematic Analysis, the study has identified commonalities between the interviewees’ perceptions and found indications of links between the articulated perceptions and reported borrowing behaviour. To further explore this relationship, the study has employed insights from Social Cognition Theory and two social cognition models, namely the Health Belief Model and the Model of Social Cognitive Theory, to propose a model of the relationship between perceptions and borrowing behaviour.