Aga, Gemechu AyanaMartinez Peria, Maria Soledad2014-08-152014-08-152014-07https://hdl.handle.net/10986/19383This 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.en-USCC BY 3.0 IGOACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCESS TO SAVINGSAMOUNT OF REMITTANCESBANK ACCOUNTBANK ACCOUNTSBANK POLICYBANKING SECTORBANKSBUSINESS OWNERSHIPCAPITA INCOMEDEMAND FOR SAVINGSDEPOSITDEPOSIT ACCOUNTSDEPOSITSDESTINATION COUNTRYDEVELOPING COUNTRIESDEVELOPMENT ASSISTANCEDEVELOPMENT GOALSDEVELOPMENT POLICYDUMMY VARIABLEECONOMIC CONDITIONSEMPLOYMENTEMPLOYMENT STATUSEMPOWERMENTENTREPRENEURSHIPEXCHANGE RATEEXPENDITUREEXPENDITURESFINANCIAL ACCESSFINANCIAL DEVELOPMENTFINANCIAL EXCLUSIONFINANCIAL INSTITUTIONSFINANCIAL SECTOR DEVELOPMENTFINANCIAL SERVICESFIXED COSTSFOREIGN DIRECT INVESTMENTFORMAL FINANCIAL INSTITUTIONFORMAL FINANCIAL INSTITUTIONSFORMAL FINANCIAL SERVICESGLOBAL DEVELOPMENTHIGH SCHOOL DIPLOMAHOME COUNTRYHOUSEHOLD INCOMEHOUSEHOLD INVESTMENTHOUSEHOLD LEVELHOUSEHOLD SURVEYSHOUSEHOLD WEALTHHOUSEHOLDSHUMAN CAPITALIMPACT OF REMITTANCESIMPACT ON HEALTHIMPORTANCE OF REMITTANCESINFORMAL CHANNELSINSTRUMENTINSURANCEINSURANCE PRODUCTSINTERNATIONAL BANKINTERNATIONAL MIGRANTINTERNATIONAL MIGRANTSINTERNATIONAL MIGRATIONINTERNATIONAL MIGRATION REVIEWINTERNATIONAL REMITTANCEINTERNATIONAL REMITTANCESJOB CREATIONLABOR SUPPLYLACK OF AWARENESSLEVEL OF EDUCATIONLIVING CONDITIONSMICROFINANCEMIGRANTMIGRANTSMIGRATIONOFFICIAL DEVELOPMENT ASSISTANCEPOLICY DISCUSSIONSPOLICY RESEARCHPOLICY RESEARCH WORKING PAPERPRODUCTIVE INVESTMENTPROGRESSRECEIPTREMITTANCEREMITTANCE FLOWSREMITTANCE INFLOWSREMITTANCESSAVINGS INSTRUMENTSSAVINGS PRODUCTSCHOOL AGESEND REMITTANCESTEMPORARY MIGRATIONUNIVERSAL ACCESSURBAN AREAURBAN AREASVALUE OF REMITTANCES10.1596/1813-9450-6991