Possession of bank accounts and formal saving rates are positively correlated

Urban communities are better covered by financial service institutions

IPPMD countries vary enormously in their ease of doing business

Many households choose to repay debts after a member has emigrated

Remittance use for debt repayment is linked to emigration funded by loans

Households that receive remittances are often more likely to be business owners

Households not receiving remittances run slightly larger businesses

Real estate ownership is in general higher among remittance-receiving households

Households with return migrants are in general more likely to run a business

Households with return migrants are slightly more likely to own real estate

Households receiving remittances are substantially more likely to have bank accounts in a majority of the partner countries

Meeting bank requirements is a barrier to access in many countries

Remittance-receiving households with bank accounts receive more remittances on average

Few households participated in financial training programmes

Courses on entrepreneurship and business management are available in less than half of the communities in the sample