1. From transactions to relationships:
Moving beyond remittances
Global Forum on Remittances and Development
16-19 June 2015, Milan

2. Annual Expenditures, Remittances
and Savings
2
€7,560
€8,916
€4,020
€5,424
€5,880
€7,284
€28,716
€13,500
€23,988
€12,348
€10,999
€18,108
€11,580
€ 4,108 € 2,984
€ 3,211
€ 4,205 € 3,683
€ 3,556
€ 2,189
€ 1,211
€ 1,874
€ 2,139
€ 2,189
€ 1,670
€ 2,157
€5,600
€7,120
€3,569
€5,779
€4,633
€6,488
€9,943
€5,077
€8,508
€10,689
€8,287
€12,718
€9,015
€ 0
€ 5,000
€ 10,000
€ 15,000
€ 20,000
€ 25,000
€ 30,000
€ 35,000
€ 40,000
2009 2012 2009 2012 2009 2012
EU/Other CIS Average EU/Other FYU Average EU-NorthEU-South Non EU Average
Moldova Bosnia-Herzegovina Romania
Annual HH Consumption Annual HH Remittance Values Annual NET HH Savings
Source: IASCI-CIVIS, 2009, 2012

3. Demand for services3
35%
35%
38%
32%
35%
32%
32%
31%
18%
24%
17%
18%
18%
18%
41%
24%
0% 20% 40% 60% 80%
On-going coaching and advisory services
Recruitment and employment services
Better tailored travel services and
products
Legal and financial planning services
Communication services
Savings and investment products
Medical and dental services
Return and integration assistance
Interested Very interested
Source: IASCI-CIVIS, 2009, 2012

4. Access to – and demand for –
financial services
4
31%
20%
23%
37%
26%
12%
14%
11%
13%
0% 20% 40%
-92%
-77%
-79%
-58%
-92%
-94%
-90%
-94%
-94%
3%
3%
4%
3%
3%
4%
4%
4%
4%
5%
20%
17%
39%
5%
2%
6%
2%
2%
-100% -80% -60% -40% -20% 0% 20% 40%
Private pensions
Debit / Credit Card
Fixed Term Deposit (at higher interest)
Health/Accident/Travel Insurance
Child Deposit/Education fund
Credit for education (student loan)
Credit for personal/consumer needs
Mortgage credit to build/buy a house/apartment
Business Credit (all categories)
No DK/NA Yes
Source: IASCI-CIVIS, 2009, 2012

5. 38
All Moldovan research was carried out in partnership by International Agency for Source Country
Information (IASCI), Austria, and Centre for Sociological, Political and Psychological Analysis and
Investigations (CIVIS), using IASCI methodologies also applied by that agency in BiH and Romania.
The ‘2009/2010 DEVINPRO Moldova’ project was an EC-UN Joint Migration and Development
Initiative.
.
The ‘2012/2015 NEXUS Moldova’ project, including its research component, is financed by the
European Union (Thematic Programme of cooperation with third countries in the areas of
Migration and Asylum) and co-financed by the Swiss Agency for Development and Cooperation.
The content of this presentation is the sole responsibility of IASCI and CIVIS. Nothing in this
presentation reflects in any way the views or opinions of the respective sponsors, including:
European Union, SDC, IOM, UN (including UNDP, UNFPA, UNHCR and ILO).