France
Table 10.3
281
Remittance Channels Used by Senegalese Migrants in France Categories Young generations <35 years old
Channel Formal Western Union MoneyGram Other MTOs Banks Informal Carriers (professional carrying money home with suitcase) Wholesalers merchants (compensation) Vacations (individuals bringing money home when they return for vacations) In form of goods sent from abroad
Area of origin/ family settlement
Older generations Graduates (high school and higher)
+++ +++ +++ +
Nongraduates
Urban
Rural
++
++++ +++ ++
+
++++ +++
+
+++
++
+++
+++
++++
++++
+++
++
++++
++
++++
++
++
Source: Survey interview. Informal commercial RSP based in Paris and sending money home to the Kaolack region of Senegal. The manager rated the preference of its clients and nonclients as well, on the basis of knowledge of the Senegalese community. + marginally used ++ sometimes used +++ mainly used ++++ most preferred Note: RSP = remittance service provider. MTO = money transfer operator.
Table 10.4 Transfer Channels from France to Mali, Senegal, and Comoros percentage of transfers, by RSP type
Comoros Mali Senegal
Informal
Banks
MTOs
Post
Total
82 73 46
1 10 10
16 16 36
1 1 8
100 100 100
Source: AfDB 2007. Note: RSP = remittance service provider. MTO = money transfer operator.