This paper investigates the impact of remittances on financial inclusion. Using household-level survey data for El … anything, by relaxing credit constraints, remittances might reduce the need for external financing from financial institutions … Salvador, we examine whether remittances affect households’ use of savings and credit instruments from formal financial …

to health shocks. This finding is consistent with the view that remittances respond to households' demand for financing …The assumption that remittances are a substitute for credit has been an implicit or explicit theoretical foundation of … many empirical studies on remittances. This paper directly tests this assumption by comparing the response to health …

In policy discussions, it has frequently been claimed that migrants' remittances could function as a "catalyst" for … receiver of remittances worldwide. Using the Mexican Family Life Survey panel (MxFLS) for 2002 and 2005, the results from the … fixed effects logit model show that receiving remittances is strongly correlated with the ownership of savings accounts and …

This study analyzes the impact of remittances as seen in household survey data from three small rural communities. OLS … and multivariate anova regressions were used to analyze household survey data collected in Cumbe and Gualaceo (Ecuador … remittances acted as "compensation for poor economic performance" rather than capital promoting economic development …