Velka, vararikko ja tuomio : konkurssi ja sen merkitykset 1800-luvun suomalaisissa kaupungeissa
This dissertation makes use of legal documents and ancillary official sources
revealing the life courses of individuals to explore the implications of
bankruptcy and the meanings attached to it at a time when Finnish society
industrialized and modernized. Three perspectives serve to support the
analysis. At the heart of the study is the domestic economy. Thus the study is
concerned with cases of bankruptcy ruin both during life and also after death.
Secondly, bankruptcy is addressed as an indicator of economic dynamism and
entrepreneurial spirit. Thirdly, attitudes to bankruptcy are approached from the
perspective of legal and social forgiveness.
The era of industrialization gave rise to ever more cases of financial ruin
during life. Yet, before that, it was characteristic that the estate of a deceased
debtor was surrendered to the creditors. Thus bankruptcy as a whole was no
rarity also in pre-industrial society. Before the age of liberalism in economic
policy bankruptcies were not attributable to modern competition on the markets but rather the various risks in the operating environment. At the same time
bankruptcy was a well-tolerated phenomenon in the urban community, the
more so if the debtor acted in accordance with generally shared codes of honor
and behavior, was a member of the upper-crust bourgeoisie and had at his disposal knowledge and skills which could be utilized in the local community. Rehabilitation was further supported by release from obligation to pay in the case
of debts exceeding the monies of the bankrupt’s estate.
In the course of the century attitudes to indebtedness and bankruptcy
stiffened. This was part of a wider way of looking, for example, at poverty, and
the disseminating problem of short-term credit created by the financial revolution, which proliferated the problem of indebtedness more widely in society.
Also with the removal of debt discharge debtors´ chances of starting again were
depleted. Yet simultaneously the industrializing society created fields of operations and workplaces where insolvents, too, might find a new beginning.
...
Alternative title
Konkurssi ja sen merkitykset 1800-luvun suomalaisissa kaupungeissaPublisher
University of JyväskyläISBN
978-951-39-7256-1ISSN Search the Publication Forum
1459-4331Keywords
omaisuudenluovutukset bankruptcy financial ruin debt credit indebtedness insolvency financial revolution urban communities Finland nineteenth century Monimenetelmäisyys 1800-luku taloushistoria kaupungit kaupunkiväestö teollistuminen teollinen yhteiskunta rahatalous rakennemuutos luottomarkkinat konkurssi konkurssilaki maksukyvyttömyys velkaantuminen velallinen sukupuoli kotitaloudet omaisuus Helsinki Vaasa Jyväskylä Kristiinankaupunki Tampere Suomi
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