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?

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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.

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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.

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‘I followed the flood’: A Gender Analysis of the Moral and Financial Economies of Forced Migration

An article by Roxanne Krystalli, Allyson Hawkins, and Kim Wilson, published in “Disasters.” What would a gender analysis of refugee crises reveal if one expanded the focus beyond female refugees, and acts of physical violence? This paper draws on qualitative research conducted in Denmark, Greece, Jordan, and Turkey in July and August 2016 to spotlight the gendered kinship, hierarchies, networks, and transactions that affect refugees. The coping strategies of groups often overlooked in the gender conversation are examined throughout this study, including those of male refugees and those making crossings outside of the context of a family unit. The analysis is theoretically situated at the intersection of critical humanitarianism and the politics of vulnerability, and rooted in debates about the feminisation of refugees and corresponding protection agendas. A key contribution of this work is the ethnographic tracing of how refugees embody these politics along their journeys.

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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.

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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.

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Gaps in Policies, Chasms for Refugees

By Devang Shah, under the supervision of Kim Wilson.
An open-door policy, free primary education, health care, monthly rations and cash. Sounds like a perfect policy recipe for integration of refugees with their local communities. However, for more than twenty years since Kebri Beyah camp was established, refugees living there are still financially unstable and far from integration. Why are the steps taken by various governmental and non-governmental organisations still proving ineffective? This essay attempts to answer this question by diving into the chasm between policy making and policy implementation for the case of the Somali region in Ethiopia. We will analyze which policies, programs, and initiatives have worked, which have not, and why.

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