Financial inclusion through remittance services – Complete Phd and Masters Thesis

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Introduction

Financial inclusion, the access and usage of formal financial services by individuals and businesses, is crucial for economic development and poverty reduction. Remittance services, the transfer of money from migrant workers to their families in their home countries, play a significant role in promoting financial inclusion. This thesis examines the impact of remittance services on financial inclusion, focusing on how these services can help increase access to financial services for underserved populations.

Chapter 1: Introduction
1.1 Introduction
1.2 Background of study
1.3 Problem Statement
1.4 Objective of study
1.5 Limitation of study
1.6 Scope of study
1.7 Significance of study
1.8 Structure of the Thesis
1.9 Definition of terms

Chapter 2: Literature Review
2.1 Overview of financial inclusion
2.2 Role of remittance services in financial inclusion
2.3 Impact of remittances on household financial behavior
2.4 Challenges in accessing formal financial services
2.5 Mobile money and digital financial services
2.6 Government policies and initiatives promoting financial inclusion
2.7 Global trends in remittance flows
2.8 Remittances and economic development
2.9 Theoretical framework
2.10 Summary of key findings

Chapter 3: Research Methodology
3.1 Research design
3.2 Data collection methods
3.3 Sampling techniques
3.4 Data analysis procedures
3.5 Ethical considerations
3.6 Reliability and validity
3.7 Limitations of the study
3.8 Research assumptions
3.9 Research contributions
3.10 Summary

Chapter 4: Discussion of Findings
4.1 Demographic characteristics of remittance senders and recipients
4.2 Usage of remittance services
4.3 Access to formal financial services
4.4 Impact of remittances on household financial behavior
4.5 Government policies promoting financial inclusion
4.6 Challenges in accessing financial services
4.7 Role of mobile money and digital financial services
4.8 Comparative analysis with other studies
4.9 Recommendations for policy and practice
4.10 Future research directions

Chapter 5: Conclusion and Summary
5.1 Summary of key findings
5.2 Implications for policy and practice
5.3 Contributions to the literature
5.4 Limitations of the study
5.5 Recommendations for future research
5.6 Conclusion

Thesis Overview

Financial inclusion is a critical component of economic development, as it allows individuals and businesses to access formal financial services that can help them build assets, manage risks, and improve their overall financial well-being. Remittance services, the transfer of money from migrant workers to their families in their home countries, play a significant role in promoting financial inclusion by providing a source of income for recipients and increasing access to financial services.

This thesis examines the impact of remittance services on financial inclusion, focusing on how these services can help increase access to formal financial services for underserved populations. The study will analyze the demographic characteristics of remittance senders and recipients, their usage of remittance services, and the impact of remittances on household financial behavior. It will also explore the role of government policies, mobile money, and digital financial services in promoting financial inclusion through remittance services.

By conducting a comprehensive literature review and using a mixed-method research approach, this thesis aims to provide valuable insights into the relationship between remittance services and financial inclusion. The findings of this study will contribute to the existing body of knowledge on financial inclusion and inform policymakers, practitioners, and researchers on strategies to enhance financial inclusion through remittance services.

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