remittances to ethiopia october 27, 2010. methodology sample size2,412 interviews with ethiopian...
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REMITTANCES TO ETHIOPIA
October 27, 2010
2
Methodology
Sample size
2,412 interviews with Ethiopian adults
Dates of interviews
July 14 – September 4, 2010
Margin of error
2 percentage points
Language of interviews
Amharic
3
Regions
The survey was conducted in regions that represent 97 percent of the Ethiopian population.
DEMOGRAPHICS AND CHARACTERISTICS OF REMITTANCE RECIPIENTS
5
Age
18-24 25-34 35-49 50-64 65+0%
5%
10%
15%
20%
25%
30%
35%30% 30%
26%
13%
1%
30%34%
18%
13%
5%
Census
Remittance recipients
6
Gender
50%
50%
MaleFemale
55%
45%
MaleFemale
Census Remittance Recipients
7
Urban / Rural
16%
84%
UrbanRural
35%
65%
UrbanRural
Census Remittance Recipients
8
Monthly Household IncomeRemittance Recipients
Less
than
100
0 ET
B
1000
- 35
00 E
TB
3500
- 50
00 E
TB
5000
- 10
000
ETB
1000
0 ET
B or
mor
e
No an
swer
0%
10%
20%
30%
40%
50%
9%
47%
12%
23%
2%7%
9
Overall, how do you see your family’s personal economic situation in Ethiopia?Remittance Recipients
Poor
Mediocre
Good
Excellent
0% 10% 20% 30% 40% 50% 60% 70% 80%
4%
15%
78%
3%
10
What is your relationship to the person who sends you money?
Uncle, aunt, cousin, niece, nephew, or other
Son or daughter
Husband or wife
Brother or sister
Father or mother
0% 20% 40% 60%
32%
10%
5%
47%
6%
11
Do you own a mobile phone?Remittance Recipients
94%
6%
YesNo
THE STATISTICS OF REMITTANCES
13
Do you have any family members or relatives living in another country outside Ethiopia?
39%
61%
YesNo
14
Have any of your family members or relatives living in another country outside Ethiopia ever sent you money?
14%
4%
21%61%
Yes, frequently
Yes, in-frequently
No
No family members outside Ethiopia
14% of Ethiopian adults are regular remittance recipients
15
In what country does your relative live?Remittance Recipients
North AmericaUnited StatesCanada
Asia / Middle EastUAEIsraelLebanonYemenSaudi ArabiaQatar
Australia
40%35%5%
30%23%3%2%1%1%<1%
3%
EuropeEnglandGermanyItalyNorwaySwedenNetherlandsFranceSwitzerlandDenmarkGreeceSpain
22%7%5%3%2%2%1%1%1%<1%<1%<1%
Other AfricaDjiboutiSouth Africa Sudan Kenya
5%2%1%1%1%
16
How frequently does your family member or relative send you money?
2-3 times a year
4-6 times a year
12 times a year
24 times a year
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
47%
36%
15%
2%
AVERAGE: 5 TIMES A YEAR
17
How much money – on average – does your family member or relative send to you each time?
More than $500
$401 to $500
$301 to $400
$201 to $300
$101 to $200
Less than $100
0% 5% 10% 15% 20% 25% 30% 35% 40%
3%
4%
8%
15%
38%
32%
AVERAGE: US$120
18
Remittances to Ethiopia
Adult population (est.) 38,500,000
Percent receiving international remittances regularly
14%
Adult population receiving international remittances regularly
5,400,000
Frequency of remittances 5 times a year
Average remittance received US$120
Total amount per year US$3.2 billion
THE REMITTANCE PROCESS
20
How do you receive this money?
Bank Remittance company
Traveler Credit card / ATM card
0%
10%
20%
30%
40%
50%
60%
70%
21%
64%
14%
1%
21
How satisfied are you with the services of your bank or remittance company?
Very dissatisfied
Somewhat dissatisfied
Somewhat satisfied
Very satisfied
0% 10% 20% 30% 40% 50% 60% 70% 80%
0%
4%
32%
64%
22
Overall, how do you have a positive or negative opinion of the banks in Ethiopia?
95%
2%3%
Positive
Negative
Don't know / No opin-ion
RELATIONSHIP WITH REMITTANCE SENDERS
24
Did you make arrangements with this family member – that he or she would send you money – before he or she left Ethiopia?
13%
86%
1%
Yes
No
No an-swer
25
Which of the following best describes the main reason your relative who sends you money left Ethiopia?
To find a better job 85% To go to school 10% For some other reason 3% No answer 2%
26
How often do you communicate with this family member or relative – the one that sends you money?
Very rarely / Almost never
Once a year
A few times a year
Once a month
Once a week
Every day
0% 10% 20% 30% 40% 50%
0%
0%
12%
41%
46%
1%
27
For how many years has this family member or relative been sending you money?
More than 5 years
4 to 5 years
1 to 3 years
Less than 1 year
0% 10% 20% 30% 40% 50% 60%
26%
16%
56%
2%
IMPACT OF INTERNATIONAL REMITTANCES
29
Overall, how many people benefit from the money you receive from your family member or relative?
1 20% 2 21% 3 24% 4 16% 5 11% 6 3% 7 3% 8 or more 2%
30
Approximately what portion of the money you receive do you spend on daily expenses such as food, clothes, housing, utilities and medicine?
None of it
A quarter or less of it
About half of it
About three-quarters of it
All of it
0% 5% 10% 15% 20% 25% 30% 35%
14%
15%
18%
18%
34%
31
Other than daily expenses, what do you use this money for?
Daily expenses only
Housing
Savings account
Small business
University education
0% 10% 20% 30% 40% 50% 60%
57%
1%
4%
9%
29%
32
Interest in Financial Products“Very interested” answers only
Savings account 79%
Business loans 71%
University education loans 69%
Home mortgage 60%
Health or life insurance 56%
INTERNAL REMITTANCES
34
Have any of your family members or relatives living in another part of Ethiopia ever sent you money?
22%
78%
YesNo
35
How much money – on average – does your family member or relative send to you each time?
More than $100
$51 to $100
Less than $50
0% 10% 20% 30% 40% 50% 60%
18%
22%
60%
36
How do you receive this money?
Bank Remittance company
Traveler Another way0%
10%
20%
30%
40%
50%
60%
70%
80%74%
4%
20%
2%