Carol Adelman writes:
Remittances now exceed official aid from all donor countries to developing nations combined — they are a global social security system that works. Studies show they reduce poverty and boost health and literacy. Private banks, setting up accounts for immigrants in America to send money back home to families and villages, help poor people earn interest, and establish credit worthiness for loans. Remittances also play a crucial role in strengthening poor countries' balance of payments, which improves credit ratings, allowing them to tap into international financial markets on better terms.
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