Análisis sobre la utilización de las remesas percibidas por las familias guayaquileñas año 2022.

Abstract

Most studies on remittances and household spending have focused on the receipt of remittances from any source, only internal sources, and only external sources. The literature that analyzes the impact of remittances on household spending has focused more on the trade-off between investment and consumption. This study extends the analysis of remittance inflows to include only the receipt of internal and external remittances and how it influences the spending or investment decision of households in the city of Santiago de Guayaquil in Ecuador. Therefore, the objective of the research is to analyze the possible causes for which remittances are destined for consumption and not for other uses. A survey of 400 individuals was carried out, where migrants who invest their remittances have a monthly income of at least one minimum wage in addition to remittances or some type of state aid. Migrants who do not invest their remittances do not see the creation of a business as a priority since they must cover housing, health, food, education, etc. expenses. To obtain inferential results, an econometric model with a coefficient of determination of 0.788 was estimated, which means that our model is significant at 78.80%. It was concluded that the significant variables of the model were the period of receipt of remittances, access to IFIS, monthly income and state aid at a 95% confidence level. Not so, the variables internet access or investment paradigm.