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Challenges and opportunities for the financial inclusion of remittance recipients October 19th, 2007 Monica Brand,  Vice President, Marketing & Product Development Unit  Maria Jaramillo, Senior Director Remittances Program Perspectives from ACCION’s work in remittances
Content: Challenges to bank recipients Opportunities to bank recipients ACCION’s work in Remittances
ACCION International ,[object Object],[object Object],[object Object],[object Object],[object Object],Mission:  Give people the tools they need to work their way out of poverty Pervasive, permanent impact Means: By building strong microfinance institutions Core Operating Principles: Social impact and scale Sustainability Link to commercial markets
Where ACCION Works ,[object Object],Argentina Bolivia Brazil (2) Colombia (3) Ecuador (3) El Salvador Guatemala Haiti Americas Honduras  Mexico (2) Nicaragua Paraguay (2) Peru United States Venezuela Africa Angola Benin Cameroon Ghana Mozambique Nigeria Asia India China Vietnam Actively negotiating Senegal S. Africa Tanzania Uganda Zimbabwe MENA Egypt Morocco Pakistan
ACCION’s goals and work in remittances: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Content: Challenges to bank recipients Opportunities to bank recipients ACCION’s work in Remittances
How are remittances connecting financial opportunities? ,[object Object],[object Object],[object Object],[object Object],[object Object],Source: World Bank Report Impact of remittances in Latin America, Dec. 06 * Studies in PE and NI carried out as part of IDB/USAID funded project.
Unpacking the potential to bank recipients depends on  segmentation Migration life cycle Relationship w/ immigrant Recipients
1. Segmenting the market by the stage in the immigration life cycle helps determine how remittances are being used: Process in country of origin ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],1-1.5 years 1-2 years 2-5 years 6-10 years > 10 years ,[object Object],[object Object],[object Object],[object Object],[object Object],Segment I Segment II* Segment III Transactional  Accounts Savings Accounts Home Improvement Insurance Home Improvement Transactional Acct
2. Segmenting the market by the relationship between the immigrant and the recipient helps determine how remittances impact household’s budgets: ,[object Object],[object Object],Potential for products to help  administer use of remittances Greater potential to link with  savings and investment  products Financial Opportunities:
Who are recipients of remittances in the region? ,[object Object],[object Object],* Studies in PE and NI carried out as part of IDB/USAID funded project. ** Study in MX carried out for private commercial bank
Majority of recipients are not microentrepreneurs ,[object Object],[object Object],[object Object],21% * Studies in PE and NI carried out as part of IDB/USAID funded project. ** Study in MX carried out for private commercial bank
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Banking recipients requires entering  new market segments  with emphasis on savings, home improvement, insurance. Less potential with microcredit Immigrants: Insurance:  Help immigrant protect family back home. Health expenses constitute 3rd-4th use. Remittances insurance, life insurance and repatriation of immigrant Mortgages:  adapted to way immigrants want to buy a house, high % financed with savings
Content Challenges to bank recipients  Opportunities to bank recipients ACCION’s work in Remittances
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Direct marketing and soft-sell needed:
[object Object],[object Object],[object Object],[object Object],[object Object],Key challenge: making banks approchable to people that have not used them or have had negative experience using them
Questions or follow up: ,[object Object],[object Object]

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Accion Remittance Recipients

  • 1. Challenges and opportunities for the financial inclusion of remittance recipients October 19th, 2007 Monica Brand, Vice President, Marketing & Product Development Unit Maria Jaramillo, Senior Director Remittances Program Perspectives from ACCION’s work in remittances
  • 2. Content: Challenges to bank recipients Opportunities to bank recipients ACCION’s work in Remittances
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  • 6. Content: Challenges to bank recipients Opportunities to bank recipients ACCION’s work in Remittances
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  • 8. Unpacking the potential to bank recipients depends on segmentation Migration life cycle Relationship w/ immigrant Recipients
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  • 14. Content Challenges to bank recipients Opportunities to bank recipients ACCION’s work in Remittances
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