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This document discusses remittances and financial services for migrants. It provides data on annual expenditures, remittances, and savings for migrant households from 2009 and 2012. It also shows data on the demand for various services among migrants, such as ongoing advisory services, recruitment/employment services, and financial planning services. Finally, it presents data on migrants' access to and demand for various financial services, including private pensions, credit cards, education funds, mortgages, and business credit. The document was produced through research partnerships between the International Agency for Source Country Information and the Centre for Sociological, Political and Psychological Analysis and Investigations, funded by the European Union and Swiss Agency for Development and Cooperation.
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- 1. From transactions to relationships: Moving beyond remittances Global Forum on Remittances and Development 16-19 June 2015, Milan
- 2. Annual Expenditures, Remittances and Savings 2 €7,560 €8,916 €4,020 €5,424 €5,880 €7,284 €28,716 €13,500 €23,988 €12,348 €10,999 €18,108 €11,580 € 4,108 € 2,984 € 3,211 € 4,205 € 3,683 € 3,556 € 2,189 € 1,211 € 1,874 € 2,139 € 2,189 € 1,670 € 2,157 €5,600 €7,120 €3,569 €5,779 €4,633 €6,488 €9,943 €5,077 €8,508 €10,689 €8,287 €12,718 €9,015 € 0 € 5,000 € 10,000 € 15,000 € 20,000 € 25,000 € 30,000 € 35,000 € 40,000 2009 2012 2009 2012 2009 2012 EU/Other CIS Average EU/Other FYU Average EU-NorthEU-South Non EU Average Moldova Bosnia-Herzegovina Romania Annual HH Consumption Annual HH Remittance Values Annual NET HH Savings Source: IASCI-CIVIS, 2009, 2012
- 3. Demand for services3 35% 35% 38% 32% 35% 32% 32% 31% 18% 24% 17% 18% 18% 18% 41% 24% 0% 20% 40% 60% 80% On-going coaching and advisory services Recruitment and employment services Better tailored travel services and products Legal and financial planning services Communication services Savings and investment products Medical and dental services Return and integration assistance Interested Very interested Source: IASCI-CIVIS, 2009, 2012
- 4. Access to – and demand for – financial services 4 31% 20% 23% 37% 26% 12% 14% 11% 13% 0% 20% 40% -92% -77% -79% -58% -92% -94% -90% -94% -94% 3% 3% 4% 3% 3% 4% 4% 4% 4% 5% 20% 17% 39% 5% 2% 6% 2% 2% -100% -80% -60% -40% -20% 0% 20% 40% Private pensions Debit / Credit Card Fixed Term Deposit (at higher interest) Health/Accident/Travel Insurance Child Deposit/Education fund Credit for education (student loan) Credit for personal/consumer needs Mortgage credit to build/buy a house/apartment Business Credit (all categories) No DK/NA Yes Source: IASCI-CIVIS, 2009, 2012
- 5. 38 All Moldovan research was carried out in partnership by International Agency for Source Country Information (IASCI), Austria, and Centre for Sociological, Political and Psychological Analysis and Investigations (CIVIS), using IASCI methodologies also applied by that agency in BiH and Romania. The ‘2009/2010 DEVINPRO Moldova’ project was an EC-UN Joint Migration and Development Initiative. . The ‘2012/2015 NEXUS Moldova’ project, including its research component, is financed by the European Union (Thematic Programme of cooperation with third countries in the areas of Migration and Asylum) and co-financed by the Swiss Agency for Development and Cooperation. The content of this presentation is the sole responsibility of IASCI and CIVIS. Nothing in this presentation reflects in any way the views or opinions of the respective sponsors, including: European Union, SDC, IOM, UN (including UNDP, UNFPA, UNHCR and ILO).