Perceived Social Acceptance and Migrants' Financial Inclusion
Códigos JEL.: G51, D91, F22, D83
- Autores:
-
Barboni, Giorgia
Roux Uribe, Nicolás de
Pérez Cardona, Santiago
- Tipo de recurso:
- Work document
- Fecha de publicación:
- 2024
- Institución:
- Universidad de los Andes
- Repositorio:
- Séneca: repositorio Uniandes
- Idioma:
- eng
- OAI Identifier:
- oai:repositorio.uniandes.edu.co:1992/75275
- Acceso en línea:
- https://hdl.handle.net/1992/75275
- Palabra clave:
- Financial inclusion
Migration
Beliefs
Social acceptance
Economía
- Rights
- openAccess
- License
- https://repositorio.uniandes.edu.co/static/pdf/aceptacion_uso_es.pdf
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Perceived Social Acceptance and Migrants' Financial Inclusion |
| title |
Perceived Social Acceptance and Migrants' Financial Inclusion |
| spellingShingle |
Perceived Social Acceptance and Migrants' Financial Inclusion Financial inclusion Migration Beliefs Social acceptance Economía |
| title_short |
Perceived Social Acceptance and Migrants' Financial Inclusion |
| title_full |
Perceived Social Acceptance and Migrants' Financial Inclusion |
| title_fullStr |
Perceived Social Acceptance and Migrants' Financial Inclusion |
| title_full_unstemmed |
Perceived Social Acceptance and Migrants' Financial Inclusion |
| title_sort |
Perceived Social Acceptance and Migrants' Financial Inclusion |
| dc.creator.fl_str_mv |
Barboni, Giorgia Roux Uribe, Nicolás de Pérez Cardona, Santiago |
| dc.contributor.author.none.fl_str_mv |
Barboni, Giorgia Roux Uribe, Nicolás de Pérez Cardona, Santiago |
| dc.subject.keyword.none.fl_str_mv |
Financial inclusion Migration Beliefs Social acceptance |
| topic |
Financial inclusion Migration Beliefs Social acceptance Economía |
| dc.subject.themes.none.fl_str_mv |
Economía |
| description |
Códigos JEL.: G51, D91, F22, D83 |
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2024 |
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2024-12-12T20:04:30Z |
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2024-12 |
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1657-7191 |
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eng |
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eng |
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Documentos CEDE; 2024-48 |
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https://ideas.repec.org/p/col/000089/021278.html |
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31 páginas |
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Universidad de los Andes |
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Facultad de Economía |
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Universidad de los Andes |
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Barboni, GiorgiaRoux Uribe, Nicolás dePérez Cardona, Santiago2024-12-12T20:04:30Z2024-12-12T20:04:30Z2024-121657-7191https://hdl.handle.net/1992/75275Códigos JEL.: G51, D91, F22, D83We conducted a telephonic survey experiment with 2,115 Venezuelan migrants to examine how their perceptions of Colombian’s social acceptance influence their engagement with the financial system. We find that 66% of the subjects we interviewed underestimate the extent to which natives are open towards migrants. We then show that providing accurate information reduces belief errors by 23 percentage points. This correction increases migrants’ willingness to interact with the financial system. In particular, individuals who initially underestimated Colombian’s acceptance of migrants are 15% more likely to visit a bank and request financial information in the next two months relative to the control group. These individuals also show a 12% increase in the willingness to open a digital wallet and an 18% increase in the willingness to open a savings account. These effects are concentrated among individuals who have not experienced episodes of discrimination in Colombia. We find no effects on the willingness to apply for a loan or an insurance product, consistent with the idea that supply barriers play a significant role for the financial inclusion of vulnerable populations. Using an instrumental variable strategy, we show that the increased willingness to engage with the financial system is driven by belief updating. In a short follow-up survey six months later, we find that belief corrections persist over time, and while we are underpowered to detect significant behavioral effects, the patterns remain consistent with the baseline results. Our findings highlight that misperceptions about native’s social acceptance of migrants can drive self-exclusion from the financial system.31 páginasapplication/pdfengUniversidad de los AndesFacultad de EconomíaDocumentos CEDE; 2024-48https://ideas.repec.org/p/col/000089/021278.htmlhttps://repositorio.uniandes.edu.co/static/pdf/aceptacion_uso_es.pdfinfo:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Perceived Social Acceptance and Migrants' Financial InclusionDocumento de trabajoinfo:eu-repo/semantics/workingPaperinfo:eu-repo/semantics/publishedVersionhttp://purl.org/coar/resource_type/c_8042http://purl.org/coar/version/c_970fb48d4fbd8a85Texthttp://purl.org/redcol/resource_type/WPFinancial inclusionMigrationBeliefsSocial acceptanceEconomíaPublicationORIGINALdcede2024-48.pdfapplication/pdf9352191https://repositorio.uniandes.edu.co/bitstreams/94acbfa4-596a-40cb-a5f3-7d781a0bbd16/download3f59776e4122e80e582f919bb6d940b9MD55LICENSElicense.txtlicense.txttext/plain; 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