Tag
remittances
15 findings
Finance & microfinanceBaseline Income Level HeterogeneityAccess to remittance labeling significantly increased the weekly remittance probability (+1.1 percentage points, p < 0.05) and log remittance amount (+0.093, p < 0.10) for above-median income migrants, but had no statistically significant impact on below-median income migrants (+0.2 percentage points, p > 0.10).RCTDevelopmentCommunication Cost Substitution ChannelAccess to automated in-app labeling and messaging (via free SMS, WhatsApp, or Messenger) caused a statistically significant reduction in household phone and communication expenditures (-0.344 log points, p < 0.05).RCTDevelopmentExogenous Remittance Expansion and Household Human Capital AccumulationPositive exogenous remittance shocks significantly increase household probability of escaping poverty status, elevate child school enrollment rates, and increase capital investment in household entrepreneurial enterprises.Observational StudyFinance & microfinanceGender Heterogeneity in Remittance ResponsivenessFemale migrants in the treatment group showed a statistically significant increase in the weekly probability of sending a remittance (+0.011, p < 0.10) and log amount sent (+0.082, p > 0.10), whereas male migrants showed a non-significant increase (+0.006, p > 0.10) and log amount sent (+0.045, p > 0.10).RCTDevelopmentIntra-Household Preference AsymmetryBaseline survey data demonstrates that migrants favor long-term investment (education, housing) while beneficiaries favor immediate consumption; unmonitored preference asymmetry reduces baseline remittances (averaging 1,311 AED per month) below potential capacity.RCTDevelopmentKinship Target Beneficiary InvarianceTreatment interaction by parental beneficiary status produced no statistically significant heterogeneity in overall remittance probability (+0.003 effect size for non-parents, p > 0.10; +0.001 for parents, p > 0.10).RCTFinance & microfinanceLabeled RemittancesRemittance labeling feature adoption was statistically significant with a 4.2% weekly usage probability (t = 47.701, p < 0.001), averaging 0.054 labeled transfers per week and a winsorized average labeled remittance amount of 687.57 PhP per week (t = 30.389, p < 0.001).RCTFinance & microfinanceTarget-Monitored Remittance Channeling for Human Capital InvestmentFinancial products providing migrants with direct monitoring and targeted channeling toward home-country tuition lead to significantly higher total remittances allocated to education.RCTFinance & microfinanceNon-Complementarity of Financial Education and AccessTake-up of financial education was 39–41 percentage points across education groups regardless of product offers (p-value for difference = 0.431), and financial product take-up showed no statistically significant difference between access-only and combined groups (p-value = 0.485 for total product take-up test T1+T2=T3).RCTDevelopmentPerformance Monitoring in Education RemittancesDirect payment with monitoring increased total remittances by 103.0 € over the no-label mean of 614.6 € (p < 0.01), but showed no statistically significant incremental gain over direct payment without monitoring (107.4 € vs 103.0 €, p = 0.4771).RCTBehaviour & psychologyRecipient Time-Inconsistency in Remittance SpendingBaseline survey evidence reveals that 55% of migrants want more influence over the overall household budget in the Philippines, and 37% specifically desire more control over remittance spending decisions due to divergent preferences between senders and receivers.Expert TheoryDevelopmentRemittance Counter-Cyclicity in Transnational Risk CopingRemittances act as informal insurance by increasing significantly during negative income shocks, helping households escape poverty status, maintain child schooling, and invest in small enterprises.Observational StudyBehaviour & psychologySocial Excuse Mechanism in Transnational TransfersProviding a social excuse resulted in a 36.35 € increase in remittances under education labeling compared to private information (102.7 €), but across all 28 information treatment tests, 23 showed no statistically significant differences (e.g., p = 0.127 for equality of labeling effects across information treatments).RCTBehaviour & psychologyTransient Remittance Belief MisalignmentLow-baseline remitters increased remittance amounts (+174.94 PhP/week, p < 0.05), yet recipient spending on migrant priority items showed no significant increase (-0.200 log points, p > 0.10), indicating potential treatment attenuation over longer time horizons.RCTFinance & microfinanceTransnational Principal-Agent Information Asymmetry in Remittance ManagementJoint financial education for migrants and home-country recipients raises total savings and remittances while boosting joint decision-making, whereas isolated individual training yields muted impacts on financial decision-making.RCT