Financial Inclusion in Refugee Economies

An essay by Kim Wilson and Roxanne Krystalli. Financial inclusion as a term and topic has become popular in humanitarian settings. A mounting global refugee crisis has brought financial access into the focus of donors and practitioners. In this paper, we ask questions that concern both donors and practitioners: Is digital, formal finance – at the heart of most financial inclusion strategies – suited to the needs of refugees, migrants, and displaced populations? Must financial inclusion approaches be tailored for maximum relevance in contexts of protracted displacement or resettlement?

Read more

Financial Journeys in Greece, Turkey and Jordan

In this video, Kim Wilson and Roxanne Krystalli discuss their research exploring the formal and informal financial systems used by refugees in Greece, Turkey and Jordan.

Read more

The Financial Journey of Refugees: Evidence from Greece, Jordan, and Turkey

A full report, executive summary, and a compendium of field notes, by Kim Wilson and Roxanne Krystalli. The Financial Journeys of Refugees investigates what money and financial transactions can reveal about the journeys and experiences of forced migration. We examine money as a key node of the displacement experience: fueling transactions among formal and informal actors along the way; determining livelihood options; shaping or restructuring kinship networks; and coloring risks, vulnerabilities, or protective forces available to refugees. Our inquiry highlights these transactions and the power dynamics that unfold among refugees as well as between refugees and formal or informal authorities.

Read more

Financial Integration of Refugees in Dallas, Texas

By Julie Zollmann, Airokhsh Faiz-Qaisary, Kenza Ben-Azouz, Kim Wilson, and Radha Rajkotia. Refugees resettled in the United States are typically supported quite closely early in their transition as support agencies help them settle into new homes, open bank accounts, get their first jobs, and register their children in school. Agencies monitor whether refugees are “self-sufficient,” meaning that their incomes cover their most essential expenses as quickly as possible. However, little is known about the next stage of refugees’ financial and economic transitions, once refugees are no longer interacting regularly with resettlement agencies. In July 2018, we interviewed 29 refugees who had been resettled two to three years earlier to understand the phases of their financial transition and identify possible opportunities to accelerate refugees’ financial gains.

Read more

“I’m the Everything”: The Overlooked Heroism of Refugee Youth in the United States

By Julie Zollmann. Nine voluntary agencies have the official responsibility for resettling refugees into communities throughout the United States. They find their clients new housing, schools, and jobs. They help them get social security numbers and open bank accounts. They play an indispensable role in helping refugees settle into their new homes. But the work of integration, of truly building a life in a new country with a new language, new transportation system, new labor market, and a whole new set of social norms is a much bigger job, one that in many families is being done stoically, even heroically, by young refugees in their teens and early twenties.

Read more

The Other Migration: The Financial Journeys of Asians and Africans Traveling Through the Americas

By Kim Wilson et al.

Read more

The Ties that Bind (or Not): Social Networks Among Extra-Continental Migrants

By Heather Kunin, under the supervision of Kim Wilson. Social networks have long been recognized as playing a pivotal role within migration, with multiple studies examining, among other phenomena, the role of social networks in predicting the decision to migrate and choice of destination, as well as in impacting migrants’ chances for integration. Social network analysis (SNA) is a methodology for visualizing and interrogating relationships among actors and is highly applicable to a field where social networks are considered “one of the fundamentals of the migration process.” Until recently, this discipline has been woefully underutilized within migration studies, although this is beginning to change.

Read more

Financial Journey of Refugees in the Mediterranean

What can money reveal about the experience of migration? This video, created by Charlie Bentley, highlights the groundbreaking research of Kim Wilson and Roxani Krystalli, using finance as a lens to understand migration journeys throughout the Mediterranean.

Read more

The Other Migration, Part 3: Financial Journey of Refugees

Money can reveal new and important aspects of the migration journey. In part three of this three-part series, learn what finances can tell us as migrants and refugees save, spend, and try to maintain money traveling from around the world, to South America, and up through Central America in a perilous migration route.

Read more

The Other Migration, Part 2: Journey Through the Darién Gap

Migrants and refugees who have fled to South America may attempt to travel up through Central America in search of safety and stability in the US or Canada. This journey involves crossing one of the world’s most dangerous jungles: The Darién Gap, along the border of Colombia and Panama. In part two of this three-part series, learn about this perilous leg of the migration journey.

Read more