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Financial Inclusion through Mobile Money: Remittance, Consumption, and Investment of Migrant Workers and Their Family

Research Project

Project/Area Number 18H00838
Research Category

Grant-in-Aid for Scientific Research (B)

Allocation TypeSingle-year Grants
Section一般
Review Section Basic Section 07040:Economic policy-related
Research InstitutionOtaru University of Commerce

Principal Investigator

Matsumoto Tomoya  小樽商科大学, 商学部, 教授 (80420305)

Co-Investigator(Kenkyū-buntansha) 真野 裕吉  一橋大学, 大学院経済学研究科, 准教授 (40467064)
Project Period (FY) 2018-04-01 – 2022-03-31
Project Status Completed (Fiscal Year 2021)
Budget Amount *help
¥16,770,000 (Direct Cost: ¥12,900,000、Indirect Cost: ¥3,870,000)
Fiscal Year 2021: ¥1,040,000 (Direct Cost: ¥800,000、Indirect Cost: ¥240,000)
Fiscal Year 2020: ¥4,420,000 (Direct Cost: ¥3,400,000、Indirect Cost: ¥1,020,000)
Fiscal Year 2019: ¥7,410,000 (Direct Cost: ¥5,700,000、Indirect Cost: ¥1,710,000)
Fiscal Year 2018: ¥3,900,000 (Direct Cost: ¥3,000,000、Indirect Cost: ¥900,000)
Keywords金融包摂 / モバイルマネー / リスクシェアリング / 出稼ぎ / 仕送り / 貧困 / 出稼ぎ労働 / 出稼ぎ労働者 / 貧困削減 / COVID19
Outline of Final Research Achievements

This study addresses the theme of "financial inclusion through mobile money" and empirically examines the impact of mobile money diffusion on the poor in developing countries based on field surveys in Uganda and Bangladesh. Since we started a survey targeting migrant workers in the Bangladeshi garment industry and their local families in FY 2018, we have continuously conducted follow-up surveys through telephone interviews to establish high-frequency household-level data. The emergence and spread of COVID-19 during the project also allowed us to collect household data before and after the initial movement restrictions for the infectious disease. The pandemic's impact on the target households was also examined and analyzed, focusing on welfare and remittance behavior.

Academic Significance and Societal Importance of the Research Achievements

途上国の農村住民の多くは、銀行などが提供するフォーマルな金融サービスにアクセスできない、所謂「金融排除」の状態にあり、安全で迅速な送受金の方法や貯蓄の手段を持ちあわせていなかった。過去15年の携帯電話の普及とそれに伴う新たな情報・金融サービスの展開「モバイル革命」が、途上国農村の金融環境を一変させた。こうした劇的な変化の中で、途上国貧困層の暮らし、家族の有り様がどのように変化しているのかを、詳細な調査データを元に正確に補足し検証することは、効果的かつ効率的な援助政策を策定するために有用であるだけでなく、安定的な社会を構築していく上でも重要である。本研究はその一助となる試みである。

Report

(5 results)
  • 2021 Annual Research Report   Final Research Report ( PDF )
  • 2020 Annual Research Report
  • 2019 Annual Research Report
  • 2018 Annual Research Report
  • Research Products

    (31 results)

All 2022 2021 2020 2019 2018 Other

All Int'l Joint Research (6 results) Journal Article (16 results) (of which Int'l Joint Research: 10 results,  Peer Reviewed: 15 results,  Open Access: 4 results) Presentation (9 results) (of which Int'l Joint Research: 5 results,  Invited: 3 results)

  • [Int'l Joint Research] Global Public Health Research Foundation(バングラデシュ)

    • Related Report
      2021 Annual Research Report
  • [Int'l Joint Research] Makerere University(ウガンダ)

    • Related Report
      2021 Annual Research Report
  • [Int'l Joint Research] Global Public Health Research Foundation(バングラデシュ)

    • Related Report
      2020 Annual Research Report
  • [Int'l Joint Research] Makerere University(ウガンダ)

    • Related Report
      2020 Annual Research Report
  • [Int'l Joint Research] Makerere University(ウガンダ)

    • Related Report
      2019 Annual Research Report
  • [Int'l Joint Research] Global Public Health Research Foundation(バングラデシュ)

    • Related Report
      2019 Annual Research Report
  • [Journal Article] Risk Management for Smallholder Farmers: An Empirical Study on the Adoption of Weather-Index Crop Insurance in Rural Kenya2022

    • Author(s)
      Fukumori Keiko, Arai Ayumi, Matsumoto Tomoya
    • Journal Title

      JICA Ogata Research InstituteWorking Paper

      Volume: 230 Pages: 1-35

    • Related Report
      2021 Annual Research Report
    • Peer Reviewed / Open Access
  • [Journal Article] Mobile money and shock-coping: Urban migrants and rural families in Bangladesh under the COVID-19 shock2021

    • Author(s)
      Hiroyuki Egami, Yukichi Mano, Tomoya Matsumoto
    • Journal Title

      Hitotsubashi Institute for Advanced Study Discussion Paper Series

      Volume: HIAS-E-109 Pages: 1-61

    • Related Report
      2021 Annual Research Report
    • Open Access
  • [Journal Article] A curse or a blessing? Population pressure and soil quality in Sub-Saharan Africa: Evidence from rural Uganda2021

    • Author(s)
      Mugizi Francisco M.P.、Matsumoto Tomoya
    • Journal Title

      Ecological Economics

      Volume: 179 Pages: 106851-106851

    • DOI

      10.1016/j.ecolecon.2020.106851

    • Related Report
      2020 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] From conflict to conflicts: War-induced displacement, land conflicts, and agricultural productivity in post-war Northern Uganda2021

    • Author(s)
      Mugizi Francisco M.P.、Matsumoto Tomoya
    • Journal Title

      Land Use Policy

      Volume: 101 Pages: 105149-105149

    • DOI

      10.1016/j.landusepol.2020.105149

    • Related Report
      2020 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Mobile Money Use and Healthcare Utilization: Evidence from Rural Uganda2020

    • Author(s)
      Egami Hiroyuki、Matsumoto Tomoya
    • Journal Title

      Sustainability

      Volume: 12 Issue: 9 Pages: 3741-3741

    • DOI

      10.3390/su12093741

    • Related Report
      2020 Annual Research Report
    • Peer Reviewed / Open Access
  • [Journal Article] Mechanization in land preparation and agricultural intensification: The case of rice farming in the Cote d'Ivoire2020

    • Author(s)
      Mano Yukichi、Takahashi Kazushi、Otsuka Keijiro
    • Journal Title

      Agricultural Economics

      Volume: 51 Issue: 6 Pages: 899-908

    • DOI

      10.1111/agec.12599

    • Related Report
      2020 Annual Research Report
    • Peer Reviewed
  • [Journal Article] Economic Viability of Large-scale Irrigation Construction in Sub-Saharan Africa: What if Mwea Irrigation Scheme Were Constructed as a Brand-new Scheme?2020

    • Author(s)
      Kikuchi Masao、Mano Yukichi、Njagi Timothy N.、Merrey Douglas、Otsuka Keijiro
    • Journal Title

      The Journal of Development Studies

      Volume: 57 Issue: 5 Pages: 772-789

    • DOI

      10.1080/00220388.2020.1826443

    • Related Report
      2020 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Mobile money, risk sharing, and educational investment: Panel evidence from rural Uganda2020

    • Author(s)
      Tabetando Rayner、Matsumoto Tomoya
    • Journal Title

      Review of Development Economics

      Volume: 24 Issue: 1 Pages: 84-105

    • DOI

      10.1111/rode.12644

    • Related Report
      2019 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Population pressure and soil quality in Sub-Saharan Africa: Panel evidence from Kenya2020

    • Author(s)
      Mugizi Francisco M.P.、Matsumoto Tomoya
    • Journal Title

      Land Use Policy

      Volume: 94 Pages: 104499-104499

    • DOI

      10.1016/j.landusepol.2020.104499

    • Related Report
      2019 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Reforms for financial protection schemes towards universal health coverage, Senegal2020

    • Author(s)
      Daff, M., S. Diouf, E.S.M. Diop, Y. Mano, R. Nakamura, M.M. Sy, M. Tobe, S. Togawa, and M. Ngom
    • Journal Title

      Bulletin of the World Health Organization

      Volume: 98 Issue: 2 Pages: 100-108

    • DOI

      10.2471/blt.19.239665

    • Related Report
      2019 Annual Research Report
    • Peer Reviewed / Open Access / Int'l Joint Research
  • [Journal Article] Learning from experts and peer farmers about rice production: Experimental evidence from Cote d’Ivoire2019

    • Author(s)
      Takahashi Kazushi、Mano Yukichi、Otsuka Keijiro
    • Journal Title

      World Development

      Volume: 122 Pages: 157-169

    • DOI

      10.1016/j.worlddev.2019.05.004

    • Related Report
      2019 Annual Research Report
    • Peer Reviewed
  • [Journal Article] Has ODA contributed to growth? An assessment of the impact of Japanese ODA2019

    • Author(s)
      Momita Yasuaki、Matsumoto Tomoya、Otsuka Keijiro
    • Journal Title

      Japan and the World Economy

      Volume: 49 Pages: 161-175

    • DOI

      10.1016/j.japwor.2018.11.002

    • Related Report
      2018 Annual Research Report
    • Peer Reviewed
  • [Journal Article] Earnings, savings, and job satisfaction in a labor-intensive export sector: Evidence from the cut flower industry in Ethiopia2018

    • Author(s)
      Suzuki Aya、Mano Yukichi、Abebe Girum
    • Journal Title

      World Development

      Volume: 110 Pages: 176-191

    • DOI

      10.1016/j.worlddev.2018.05.029

    • Related Report
      2018 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Changing Saving and Investment Behaviour: The Impact of Financial Literacy Training and Reminders on Micro-businesses2018

    • Author(s)
      Abebe Girum、Tekle Biruk、Mano Yukichi
    • Journal Title

      Journal of African Economies

      Volume: 27 Issue: 5 Pages: 587-611

    • DOI

      10.1093/jae/ejy007

    • Related Report
      2018 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] An Inquiry into the Heterogeneous Outcomes of International Migration: Evidence from Rural Households in Bangladesh2018

    • Author(s)
      Kikkawa Aiko、Matsumoto Tomoya、Otsuka Keijiro
    • Journal Title

      The Journal of Development Studies

      Volume: 0 Issue: 10 Pages: 1-23

    • DOI

      10.1080/00220388.2018.1539476

    • Related Report
      2018 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Roads and farming: the effect of infrastructure improvement on agricultural intensification in South-Western Kenya2018

    • Author(s)
      Kiprono Philemon、Matsumoto Tomoya
    • Journal Title

      Agrekon

      Volume: 57 Issue: 3-4 Pages: 198-220

    • DOI

      10.1080/03031853.2018.1518149

    • Related Report
      2018 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Presentation] Mobile money and shock-coping: Urban migrants and rural families in Bangladesh under the COVID-19 shock2022

    • Author(s)
      Tomoya Matsumoto
    • Organizer
      A Conference in honor of JOHN STRAUSS
    • Related Report
      2021 Annual Research Report
    • Int'l Joint Research / Invited
  • [Presentation] An Inquiry into the Process of Upgrading Rice Milling Service: The Case of Mwea Irrigation Scheme in Kenya2021

    • Author(s)
      Yukichi Mano
    • Organizer
      Seminar for "An Empirical Analysis on Expanding Rice Production in Sub-Sahara Africa,” JICA緒方貞子平和開発研究所 (東京都新宿区) オンライン開催
    • Related Report
      2020 Annual Research Report
  • [Presentation] マラリアのない社会の持続を目指したコミュニティ主導型統合的戦略のための分野融合研究: ケニアSATREPSプロジェクト2020

    • Author(s)
      松本朋哉
    • Organizer
      グローバルヘルス合同大会2020
    • Related Report
      2020 Annual Research Report
    • Int'l Joint Research
  • [Presentation] Contract Farming, Farm Mechanization, and Agricultural intensification: The Case of Rice Farming in Cote d’Ivoire2019

    • Author(s)
      Yukichi Mano
    • Organizer
      Economics Seminar, Asian Development Bank (Metro Manila, Philippines)
    • Related Report
      2018 Annual Research Report
    • Int'l Joint Research
  • [Presentation] Spillovers as a Driver to Reduce Ex-post Inequality Generated by Randomized Experiments: Evidence from an Agricultural Training Intervention2018

    • Author(s)
      Yukichi Mano
    • Organizer
      Hayami Conference
    • Related Report
      2018 Annual Research Report
    • Int'l Joint Research
  • [Presentation] Contract Farming, Farm Mechanization, and Agricultural intensification: The Case of Rice Farming in Cote d’Ivoire2018

    • Author(s)
      Yukichi Mano
    • Organizer
      JICA研究所ランチタイムセミナー
    • Related Report
      2018 Annual Research Report
    • Invited
  • [Presentation] Contract Farming, Farm Mechanization, and Agricultural intensification: The Case of Rice Farming in Cote d’Ivoire2018

    • Author(s)
      Yukichi Mano
    • Organizer
      一般社団法人日本農業機械化協会
    • Related Report
      2018 Annual Research Report
    • Invited
  • [Presentation] Spillovers as a Driver to Reduce Ex-post Inequality Generated by Randomized Experiments: Evidence from an Agricultural Training Intervention2018

    • Author(s)
      Yukichi Mano
    • Organizer
      第22回実験社会科学カンファレンス 名古屋市立大学
    • Related Report
      2018 Annual Research Report
  • [Presentation] From Conflict to Conflicts: War-Induced Displacement, Land Conflicts, and Agricultural Productivity in Post-War Northern Uganda2018

    • Author(s)
      Tomoya Matsumoto
    • Organizer
      日本農業経済学会 TEA会 春季大会
    • Related Report
      2018 Annual Research Report
    • Int'l Joint Research

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Published: 2018-04-23   Modified: 2023-01-30  

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