Harnessing the Remittance Boom

Remittance income formed a big part of Yemen s budget.

Other countries, however, have taken steps to make remittance transfers possible via mobile phones.

Every year, thousands of desperate Tajik citizens leave the world's most remittance dependent country for a better life, mostly in Russia.

Knowing the importance to poor families of remittance to Georgia, we are also concerned at reports of measures to block bank transfers.

Please indicate the laws and procedures available to regulate alternative remittance systems, including systems of, or similar to, the kind known as hawala.

Anti terrorism laws are a problem here, because the demand for more effective control mechanisms on international financial transfers places an extra burden on remittance operators.

In Bangladesh, for example, just 13 of households that receive remittances from abroad are below the poverty line, compared to 34 of non remittance receiving households.

In these countries with a combined population of less than 14 million people, the money migrants send home is equal to half and a third of GDP respectively, making them the two most remittance dependent nations on the planet.

Currently, over 60 million migrant workers from the Asia Pacific region account for more than half of all remittance flows to developing countries, sending home about 260 billion in 2012.

Growth could easily slow following the next energy price slump or other external shock, such as proposals in Russia to limit employment and remittance opportunities for Central Asian workers there.

Sending money to some countries is now allowed only through formal banking channels, and this has created virtual monopolies while also preventing remittance money from reaching rural areas where banks don t operate.

Since the country's independence in 1991, their lives have been defined by years of separation from their husbands and children, whose cash transfers from Russia make the country the most remittance dependent in the world.

One group now rising from the rubble is Fonkoze, a microfinance organization operating predominantly in rural Haiti. With assistance from IFAD s multi donor Financing Facility for Remittances, Fonkoze purchased satellite phones and diesel generators in 2007, and began delivering remittance services in rural areas where basic infrastructure is often weak or lacking.

Yet, sitting at spot number 189 out of 226, Tajikistan remains the most remittance dependent country in the world, sending over a million of its able bodied citizens abroad, typically to Moscow, where they face everyday harassment and lack rights protections.

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