Remittances and Financial Inclusion : Evidence from El Salvador

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dc.creatorAnzoategui, Diego
dc.creatorDemirgüç-Kunt, Asli
dc.creatorMartínez Pería, María Soledad
dc.date2012-03-19T18:05:22Z
dc.date2012-03-19T18:05:22Z
dc.date2011-10-01
dc.date.accessioned2026-07-01T00:57:31Z
dc.descriptionThis paper investigates the impact of remittances on financial inclusion. This is an important issue given recent studies showing that financial inclusion can have significant beneficial effects on households. Using household-level survey data for El Salvador, the authors examine the impact of remittances on households' use of savings and credit instruments from formal financial institutions. They find that although remittances have a positive impact on financial inclusion by promoting the use of deposit accounts, they do not have a significant and robust effect on the demand for and use of credit from formal institutions. If anything, by relaxing credit constraints, remittances might reduce the need for external financing from financial institutions, while at the same time increasing the demand for savings instruments.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20111006135759
dc.identifierhttps://hdl.handle.net/10986/3603
dc.identifierhttps://doi.org/10.1596/1813-9450-5839
dc.identifier.urihttp://hdl.handle.net/123456789/413504
dc.languageEnglish
dc.relationPolicy Research working paper ; no. WPS 5839
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO BANK
dc.subjectACCESS TO BANK ACCOUNTS
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO SAVINGS
dc.subjectAGRICULTURAL ACTIVITIES
dc.subjectAGRICULTURAL ACTIVITY
dc.subjectAGRICULTURE
dc.subjectAMOUNT OF REMITTANCES
dc.subjectBALANCE OF PAYMENT
dc.subjectBALANCE OF PAYMENTS
dc.subjectBANK BRANCHES
dc.subjectBANK CREDIT
dc.subjectBANK DEPOSITS
dc.subjectBANK OFFICE
dc.subjectBANK POLICY
dc.subjectBANKING SECTOR
dc.subjectBANKING SYSTEM
dc.subjectBANKS
dc.subjectBIG CITIES
dc.subjectBUSINESS FORMATION
dc.subjectCAPITA INCOME
dc.subjectCAPITAL FLOWS
dc.subjectCAPITAL MARKET
dc.subjectCENTRAL BANK
dc.subjectCHECKING ACCOUNT
dc.subjectCHILD HEALTH
dc.subjectCIVIL WAR
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSUMER LOANS
dc.subjectCOOPERATIVES
dc.subjectCOSTS OF REMITTANCES
dc.subjectCREDIT ACCESS
dc.subjectCREDIT CONSTRAINTS
dc.subjectCREDIT PRODUCTS
dc.subjectCREDIT UNIONS
dc.subjectDATA ON REMITTANCES
dc.subjectDEMAND FOR CREDIT
dc.subjectDEMAND FOR SAVINGS
dc.subjectDEMOGRAPHIC CHARACTERISTICS
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDETERMINANTS OF REMITTANCES
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT ASSISTANCE
dc.subjectDEVELOPMENT BANK
dc.subjectDEVELOPMENT CENTER
dc.subjectDEVELOPMENT ECONOMICS
dc.subjectDEVELOPMENT POLICY
dc.subjectDIVIDENDS
dc.subjectDUMMY VARIABLE
dc.subjectDUMMY VARIABLES
dc.subjectDURABLES
dc.subjectECONOMETRIC MODELS
dc.subjectECONOMIC ACTIVITIES
dc.subjectECONOMIC CONDITIONS
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC RESEARCH
dc.subjectECONOMIC SELF-SUFFICIENCY
dc.subjectEDUCATIONAL ATTAINMENT
dc.subjectEFFECT OF REMITTANCES
dc.subjectEFFECTS OF REMITTANCES
dc.subjectEMIGRATION
dc.subjectEMPLOYERS
dc.subjectEMPLOYMENT STATUS
dc.subjectEMPOWERMENT
dc.subjectEXCHANGE RATE
dc.subjectEXCLUSION
dc.subjectEXPENDITURE
dc.subjectEXPORTS
dc.subjectEXTERNAL FINANCING
dc.subjectFINANCE COMPANY
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL MARKETS DEVELOPMENT
dc.subjectFINANCIAL REFORMS
dc.subjectFINANCIAL SECTOR
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL STUDIES
dc.subjectFINANCIAL SYSTEM
dc.subjectFIXED COSTS
dc.subjectFOREIGN BANK
dc.subjectFOREIGN BANK ENTRY
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectFORMAL FINANCIAL INSTITUTIONS
dc.subjectFUTURE RESEARCH
dc.subjectGDP
dc.subjectGDP PER CAPITA
dc.subjectGENDER
dc.subjectGLOBAL DEVELOPMENT
dc.subjectGLOBALIZATION
dc.subjectHEAD OF HOUSEHOLD
dc.subjectHOLDING
dc.subjectHOST COUNTRY
dc.subjectHOUSEHOLD FIXED EFFECTS
dc.subjectHOUSEHOLD INCOME
dc.subjectHOUSEHOLD LEVEL
dc.subjectHOUSEHOLD SURVEYS
dc.subjectHOUSEHOLDS
dc.subjectHUMAN CAPITAL
dc.subjectIMPACT OF MIGRATION
dc.subjectIMPACT OF REMITTANCES
dc.subjectIMPORTANCE OF REMITTANCES
dc.subjectINCOME INEQUALITY
dc.subjectINEQUALITY
dc.subjectINFANT
dc.subjectINFORMAL CHANNELS
dc.subjectINSTRUMENT
dc.subjectINSURANCE
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL MIGRANTS
dc.subjectINTERNATIONAL MIGRATION
dc.subjectINTERNATIONAL REMITTANCES
dc.subjectKINSHIP
dc.subjectLAND OWNERSHIP
dc.subjectLARGE CITIES
dc.subjectLIVING STANDARDS
dc.subjectLOAN
dc.subjectMACROECONOMIC PERFORMANCE
dc.subjectMENTAL HEALTH
dc.subjectMICRO-ENTERPRISES
dc.subjectMICROCREDIT
dc.subjectMICROENTERPRISES
dc.subjectMICROFINANCE
dc.subjectMIGRANT
dc.subjectMIGRANT REMITTANCES
dc.subjectMIGRANTS
dc.subjectMIGRANTS SENDING REMITTANCES
dc.subjectMIGRATION
dc.subjectMIGRATION FLOWS
dc.subjectMIGRATION PATTERNS
dc.subjectMONETARY FUND
dc.subjectMORTALITY
dc.subjectOFFICIAL DEVELOPMENT ASSISTANCE
dc.subjectPENSIONS
dc.subjectPER CAPITA INCOME
dc.subjectPOLICY DISCUSSIONS
dc.subjectPOLICY RESEARCH
dc.subjectPOLICY RESEARCH WORKING PAPER
dc.subjectPOLITICAL ECONOMY
dc.subjectPOSITIVE COEFFICIENT
dc.subjectPOSITIVE EFFECTS
dc.subjectPRIVATE CAPITAL
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATIZATION
dc.subjectPRODUCTIVE INVESTMENT
dc.subjectPROFITABILITY
dc.subjectPROGRESS
dc.subjectREAL GDP
dc.subjectREAL INCOME
dc.subjectRECEIPT
dc.subjectRECIPIENT HOUSEHOLDS
dc.subjectREMITTANCE
dc.subjectREMITTANCE FLOW
dc.subjectREMITTANCE FLOWS
dc.subjectREMITTANCE RECIPIENTS
dc.subjectREMITTANCES
dc.subjectREMITTANCES FLOWS
dc.subjectRESERVE
dc.subjectRESPECT
dc.subjectROLE OF REMITTANCES
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSAVINGS INSTRUMENTS
dc.subjectSAVINGS PRODUCT
dc.subjectSAVINGS PRODUCTS
dc.subjectSEND REMITTANCES
dc.subjectSOCIAL DEVELOPMENT
dc.subjectSOCIAL SCIENCE
dc.subjectSOURCE OF CREDIT
dc.subjectSPOUSE
dc.subjectTEMPORARY MIGRATION
dc.subjectTERM DEPOSITS
dc.subjectTOTAL AMOUNT OF REMITTANCES
dc.subjectVALUE OF REMITTANCES
dc.subjectVOLATILE INCOMES
dc.subjectWEALTH
dc.titleRemittances and Financial Inclusion : Evidence from El Salvador

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