International Remittances and Financial Inclusion in Sub-Saharan Africa
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World Bank Group, Washington, DC
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This paper uses World Bank survey data,
including about 10,000 households in five countries --
Burkina Faso, Kenya, Nigeria, Senegal, and Uganda -- to
investigate the link between international remittances and
households' financial inclusion in Sub-Saharan Africa.
The paper finds that receiving international remittances
increases the probability that the household opens a bank
account in all the five countries. This result is robust to
controlling for the potential endogeneity of remittances,
using as instruments indicators of the migrants'
economic conditions in the destination countries.
Palabras clave
ACCESS TO CREDIT, ACCESS TO FINANCE, ACCESS TO FINANCIAL SERVICES, ACCESS TO SAVINGS, AMOUNT OF REMITTANCES, BANK ACCOUNT, BANK ACCOUNTS, BANK POLICY, BANKING SECTOR, BANKS, BUSINESS OWNERSHIP, CAPITA INCOME, DEMAND FOR SAVINGS, DEPOSIT, DEPOSIT ACCOUNTS, DEPOSITS, DESTINATION COUNTRY, DEVELOPING COUNTRIES, DEVELOPMENT ASSISTANCE, DEVELOPMENT GOALS, DEVELOPMENT POLICY, DUMMY VARIABLE, ECONOMIC CONDITIONS, EMPLOYMENT, EMPLOYMENT STATUS, EMPOWERMENT, ENTREPRENEURSHIP, EXCHANGE RATE, EXPENDITURE, EXPENDITURES, FINANCIAL ACCESS, FINANCIAL DEVELOPMENT, FINANCIAL EXCLUSION, FINANCIAL INSTITUTIONS, FINANCIAL SECTOR DEVELOPMENT, FINANCIAL SERVICES, FIXED COSTS, FOREIGN DIRECT INVESTMENT, FORMAL FINANCIAL INSTITUTION, FORMAL FINANCIAL INSTITUTIONS, FORMAL FINANCIAL SERVICES, GLOBAL DEVELOPMENT, HIGH SCHOOL DIPLOMA, HOME COUNTRY, HOUSEHOLD INCOME, HOUSEHOLD INVESTMENT, HOUSEHOLD LEVEL, HOUSEHOLD SURVEYS, HOUSEHOLD WEALTH, HOUSEHOLDS, HUMAN CAPITAL, IMPACT OF REMITTANCES, IMPACT ON HEALTH, IMPORTANCE OF REMITTANCES, INFORMAL CHANNELS, INSTRUMENT, INSURANCE, INSURANCE PRODUCTS, INTERNATIONAL BANK, INTERNATIONAL MIGRANT, INTERNATIONAL MIGRANTS, INTERNATIONAL MIGRATION, INTERNATIONAL MIGRATION REVIEW, INTERNATIONAL REMITTANCE, INTERNATIONAL REMITTANCES, JOB CREATION, LABOR SUPPLY, LACK OF AWARENESS, LEVEL OF EDUCATION, LIVING CONDITIONS, MICROFINANCE, MIGRANT, MIGRANTS, MIGRATION, OFFICIAL DEVELOPMENT ASSISTANCE, POLICY DISCUSSIONS, POLICY RESEARCH, POLICY RESEARCH WORKING PAPER, PRODUCTIVE INVESTMENT, PROGRESS, RECEIPT, REMITTANCE, REMITTANCE FLOWS, REMITTANCE INFLOWS, REMITTANCES, SAVINGS INSTRUMENTS, SAVINGS PRODUCT, SCHOOL AGE, SEND REMITTANCES, TEMPORARY MIGRATION, UNIVERSAL ACCESS, URBAN AREA, URBAN AREAS, VALUE OF REMITTANCES