Abstract
Despite having paid attention to remittances, Mexican migration to the United States poses economic challenges that have rarely been analyzed in depth. In this context, financial education has emerged as an important focal point to educate the migrant population about their economic rights. The goal of this research is to analyze the strategies adopted by NGOs supporting migrants in the USA in order to address the financial information gap among migrant populations. A predominantly qualitative methodological approach was followed, supported by relevant statistical data.
References
Banco del Bienestar (2016). Sociedad Nacional de Crédito, Institución de Banca de Desarrollo. Disponible en https://www.gob.mx/bancodelbienestar/documentos/que-es-la-educacion-financiera
Bobes, C. (2013). Los tecuanes danzan en la nieve: Contactos transnacionales entre Axochiapan y Minnesota. Facultad Latinoamericana de Ciencias Sociales, FLACSO México.
Carvajal, L. y Almonte, L. (2011). Remesas y crecimiento: un análisis estructural para México. Análisis Económico, 62 (26), 209-228.
Comisión Nacional Bancaria y de Valores (CNBV; 2012). Cuarto Reporte de Inclusión Financiera. México: CNBV. Secretaría de Hacienda y Crédito Público (2020). Política Nacional de Inclusión Financiera. México.
De la Rosa J., Amayo, L., & Servín, A. (2006). El alcance económico de las remesas en México: consumo de las familias receptoras. El Cotidiano, 21(140), 76-88.
Demirgüç-Kunt, A., Klapper, L. & Singer, D. (2017). Financial Inclusion and Inclusive Growth. A Review Of Recent Empirical Evidence. Policy Research Working Paper No. 8010, World Bank Group. Disponible en: http://documents.worldbank.org/curated/en/403611493134249446/pdf/WPS8040.pdf
Federal Reserve Bank of New York (2023). Household debt and credit report. Disponible en: https://www.newyorkfed.org/microeconomics/hhdc
García, J., Peláez, O y Fuentes N. (2015). La tradición migratoria como factor explicativo del uso de remesas en la financiación de negocios en Guanajuato. Migraciones internacionales, 8(2), 165-194.
García, N., A. Grifoni, J. C. López, y D. Mejía (2013), Financial Education in Latin America and the Caribbean: Rationale, Overview and Way Forward, OECD Working Papers on Finance, Insurance and Private Pensions, núm, 33, OECD Publishing.
Global Partnership for Financial Inclusion (GPFI) & Consultative Group to Assist the Poor (CGAP) (2011). Global Standard-Setting Bodies and Financial Inclusion for the Poor: Towards Proportionate Standards and Guidance. Disponible en: https://www.gpfi.org/sites/gpfi/files/documents/White-Paper-Global-Standard-Setting-Bodies-Oct-2011.pdf
Hastings, J. S., Madrian, B. C., and Skimmyhorn, W. L. (2013). Financial literacy, financial education, and economic outcomes. Annual Review of Economics, 5: 347–373.
Herrera, F. (2016). La remesodependencia de la economía mexicana: remesas, IED, turismo y petróleo en tiempos del TLCAN. Polis, 12(1), 45-83.
León-Ross, P., Summerfield, G., & Arends-Kuenning, M. (2013). Exploring Latina/Latino Migrants' Adaptation to the Economic Crisis in the us Heartland: A Capability Approach. Journal of Human Development and Capabilities, 14(2), 195-213.
Lusardi, A. and Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1): 5–44.
Maman, D., & Rosenhek, Z. (2020). Facing future uncertainties and risks through personal finance: conventions in financial education. Journal of cultural economy, 13(3), 303-317.
Maman, D., & Rosenhek, Z. (2019). Responsibility, planning and risk management: moralizing everyday finance through financial education. The British journal of sociology, 70(5), 1996-2019.
Ohlsson, C. (2012). The rhetoric of financial literacy. Journal of Interdisciplinary Economics, 24(1), 55-75.
Orazi, S., Martinez L. B. & Vigier, H. P. (2019). La inclusión financiera en América Latina y Europa. Ensayos de Economía, 29(55), 181-204.
Ozili, P. K. (2020). Theories of financial inclusion. En Özen, E. & Grima, S. (Ed). Uncertainty and Challenges in Contemporary Economic Behaviour (pp. 89-116). UK: Emerald Publishing Limited.
Pardo Montaño, A., & Davila Cervantes, C. (2022). Financial inclusion of remittance recipients and non-recipients in Mexico. Intangible Capital, 18(3), 315-330.
Pardo, A. y Salinas, A. (2017). "¿Remesas para el desarrollo? Elementos determinantes de la recepción de remesas en la Zona Metropolitana del Valle de México." Revista Geográfica Venezolana, 58 (2): 394-413.
Pardo Montaño, A. (2017). Migración y transnacionalismo. Extrañando la tierrita… Facultad Latinoamericana de Ciencias Sociales, FLACSO México.
Raccanello, K. & Herrera Guzmán, E. (2014). Educación e inclusión financiera. Revista Latinoamericana de Estudios Educativos, 44(2), 119-141.
Ramírez, T. (2010). “Factores determinantes del envío de remesas: el caso de los inmigrantes mexicanos en la zona metropolitana de Chicago.” Revista Latinoamericana de Población, 4 (7), 125-148.
UnidosUS (2019). Discrimination Against Latinos in Auto Lending, 2019. Disponible en https://unidosus.org/wp-content/uploads/2021/07/unidosus_autolendingdiscrimination_statementfortherecord.pdf
UnidosUS (2017), Latino View on the Car-Buying Experience. Washington, DC: UnidosUS, 2017, 11-17.
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Copyright (c) 2023 Ana Melisa Pardo Montaño