LEAD at Krea University

The study seeks to understand which factors determine household financial decision-making through a migration lens and how that differs among different types of comparable migrant and non-migrant households.

Focusing on Jharkhand, Bihar, and eastern Uttar Pradesh to New Delhi/NCR migration corridor, the study adopts a mixed-methods design to determine how factors like gender, household composition, financial literacy, and collective decision-making as well as, migration intent and preferences influence financial decisions on savings, investment, and consumption in migrant households.

Furthermore, it examines intra and inter-group variations in financial behaviour, in terms of bank account ownership, appetite for risk in their financial preferences, and likelihood to allocate finances for productive consumption like health and education.