{"id":"https://openalex.org/W2527342017","doi":null,"title":"Unleashing International Remittances - Technology Driven Solutions for Indonesia","display_name":"Unleashing International Remittances - Technology Driven Solutions for Indonesia","publication_year":2016,"publication_date":"2016-09-09","ids":{"openalex":"https://openalex.org/W2527342017","mag":"2527342017"},"language":"en","primary_location":{"id":"mag:2527342017","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID2838600_code2413870.pdf?abstractid=2838600&mirid=1","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID2838600_code2413870.pdf?abstractid=2838600&mirid=1","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5071442318","display_name":"Ghiyazuddin Ali Mohammad","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210162516","display_name":"MicroSave","ror":"https://ror.org/05tta9x45","country_code":"IN","type":"nonprofit","lineage":["https://openalex.org/I4210162516"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Ghiyazuddin Ali Mohammad","raw_affiliation_strings":["MicroSave"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"MicroSave","institution_ids":["https://openalex.org/I4210162516"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5054361010","display_name":"Disha Mohinani","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Disha Mohinani","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10349","display_name":"Migration and Labor Dynamics","score":0.9878000020980835,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10349","display_name":"Migration and Labor Dynamics","score":0.9878000020980835,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.0019000000320374966,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0010000000474974513,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/international-remittances","display_name":"international remittances","score":0.9900000095367432},{"id":"https://openalex.org/keywords/migrant-workers","display_name":"migrant workers","score":0.8849999904632568},{"id":"https://openalex.org/keywords/remittance-regulation","display_name":"remittance regulation","score":0.6119999885559082},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.8939999938011169}],"concepts":[{"id":"https://openalex.org/C2780962165","wikidata":"https://www.wikidata.org/wiki/Q1351807","display_name":"Remittance","level":2,"score":0.7996355295181274},{"id":"https://openalex.org/C2779207338","wikidata":"https://www.wikidata.org/wiki/Q9240","display_name":"Indonesian","level":2,"score":0.6625792384147644},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.6087803244590759},{"id":"https://openalex.org/C2778083465","wikidata":"https://www.wikidata.org/wiki/Q693464","display_name":"Cash","level":2,"score":0.5834428071975708},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.5392149686813354},{"id":"https://openalex.org/C2776036281","wikidata":"https://www.wikidata.org/wiki/Q48769818","display_name":"Constraint (computer-aided design)","level":2,"score":0.5188756585121155},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5065404176712036},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.4415692985057831},{"id":"https://openalex.org/C8505890","wikidata":"https://www.wikidata.org/wiki/Q605095","display_name":"Budget constraint","level":2,"score":0.4302142262458801},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.39728856086730957},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3190327286720276},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.289745032787323},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.23272082209587097},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.13255640864372253},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.12955179810523987},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.10953551530838013},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C78519656","wikidata":"https://www.wikidata.org/wiki/Q101333","display_name":"Mechanical engineering","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"mag:2527342017","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID2838600_code2413870.pdf?abstractid=2838600&mirid=1","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null}],"best_oa_location":{"id":"mag:2527342017","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID2838600_code2413870.pdf?abstractid=2838600&mirid=1","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.7825999855995178,"display_name":"Decent work and economic growth"},{"id":"https://metadata.un.org/sdg/9","score":0.5378999710083008,"display_name":"Industry, innovation and infrastructure"},{"id":"https://metadata.un.org/sdg/1","score":0.41670000553131104,"display_name":"No poverty"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4412729957","https://openalex.org/W7142508806","https://openalex.org/W2783262830","https://openalex.org/W4413133201","https://openalex.org/W3134534385","https://openalex.org/W4416466383","https://openalex.org/W2291978261","https://openalex.org/W1891613780","https://openalex.org/W4244124678","https://openalex.org/W2763746388"],"abstract_inverted_index":{"There":[0],"are":[1,101,121],"3.6":[2],"million":[3,180],"Indonesians":[4],"working":[5],"across":[6],"the":[7,22,31,39,44,47,56,67,79,102,110,124,130,143,147,163],"world.":[8],"In":[9],"2015,":[10],"they":[11],"remitted":[12],"USD":[13,178],"10.5":[14],"billion":[15],"to":[16,38,85,94,123,132,161,174],"Indonesia":[17,86],"i.e.,":[18],"approximately":[19],"1%":[20],"of":[21,33,43,50,82,98,136,142,146,149,177],"GDP.":[23],"This":[24],"hard":[25],"earned":[26],"money":[27,84],"greatly":[28],"contributes":[29],"towards":[30],"welfare":[32],"dependent":[34],"family":[35],"members":[36],"and":[37,58,96,158],"overall":[40],"economic":[41,134],"development":[42,135],"communities.":[45],"Despite":[46],"large":[48],"amount":[49],"remittances,":[51],"barriers":[52],"persist":[53],"at":[54],"both":[55],"sending":[57,83],"receiving":[59],"ends.":[60],"From":[61],"a":[62,186],"customer\u2019s":[63],"perspective,":[64],"cost":[65,81],"remains":[66],"biggest":[68],"constraint":[69],"for":[70,156,181],"remitting":[71],"money.":[72],"Analysis":[73],"done":[74],"by":[75],"MicroSave":[76],"suggests":[77],"that":[78,106,120,189],"average":[80],"is":[87,140],"4.72%.":[88],"Apart":[89],"from":[90,193],"cost,":[91],"time":[92],"taken":[93],"transfer":[95],"accessibility":[97],"cash-in/cash-out":[99],"points":[100],"other":[103],"key":[104,144,154],"issues":[105],"customers":[107],"face.":[108],"Keeping":[109],"issues/barriers":[111],"in":[112],"mind,":[113],"this":[114],"policy":[115],"brief":[116],"analyses":[117],"four":[118],"models":[119,128,171],"tailored":[122],"Indonesian":[125,182],"context.":[126],"These":[127],"have":[129],"potential":[131],"stimulate":[133],"migrant":[137,183],"communities,":[138],"which":[139],"one":[141],"objectives":[145],"Government":[148],"Indonesia.":[150],"It":[151],"also":[152],"provides":[153],"recommendations":[155],"regulators":[157],"market":[159],"players":[160],"operationalise":[162],"remittance":[164],"business":[165],"models.":[166],"If":[167],"implemented":[168],"well,":[169],"these":[170],"can":[172],"lead":[173],"annual":[175],"savings":[176],"230":[179],"workers.":[184],"Clearly,":[185],"win-win":[187],"proposition":[188],"requires":[190],"unified":[191],"effort":[192],"all":[194],"stakeholders.":[195]},"counts_by_year":[],"updated_date":"2026-07-14T23:32:53.992493","created_date":"2016-10-07T00:00:00"}
