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TRANSCRIPT
From transactions to relationships: Moving beyond remittances
Global Forum on Remittances and Development16-19 June 2015, Milan
Annual Expenditures, Remittances and Savings220
09
2012
2009
2012
2009
2012
EU/Other CIS Average EU/Other
FYU Average EU-North
EU-South
Non EU Average
Moldova Bosnia-Herzegovina Romania
€ 0
€ 5,000
€ 10,000
€ 15,000
€ 20,000
€ 25,000
€ 30,000
€ 35,000
€ 40,000€
7,56
0
€ 8,
916
€ 4,
020
€ 5,
424
€ 5,
880
€ 7,
284
€ 28
,716
€ 13
,500 €
23,9
88
€ 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
Annual HH Consumption Annual HH Remittance Values Annual NET HH Savings
Source: IASCI-CIVIS, 2009, 2012
Demand for services3
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
0% 10% 20% 30% 40% 50% 60% 70% 80%
35%
35%
38%
32%
35%
32%
32%
31%
18%
24%
17%
18%
18%
18%
41%
24%
Interested Very interested Source: IASCI-CIVIS, 2009, 2012
Access to – and demand for – financial services4
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
31%
20%
23%
37%
26%
12%
14%
11%
13%
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)
-100% -80% -60% -40% -20% 0% 20% 40%
-92%
-77%
-79%
-58%
-92%
-94%
-90%
-94%
-94%
No DK/NA YesSource: IASCI-CIVIS, 2009, 2012
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).