IMPACT OF REMITTANCE ON LIVING STANDARD PEOPLE IN GHODAGHODI MUNICIPALITY

Abstract

This research explores the impact of remittance inflows on the living standards of households in Ghodaghodi Municipality, located in Kailali District, Nepal. With a focus on households receiving remittances from Gulf countries, Malaysia, and other regions, this study employs a descriptive and causal-comparative research design to analyze the relationship between remittance inflows and various dimensions of household well-being. The study aims to assess the volume, sources, and trends of remittance inflows, as well as their effects on living standards. A total of 450 households have surveyed using structured questionnaires, which gathered data on household income, expenditure patterns, educational attainment, healthcare access, and overall changes in living conditions attributed to remittance inflows. The sample has selected through convenience sampling, ensuring statistical significance for the findings. Statistical analyses, including descriptive statistics, correlation, and regression analysis, have conducted using SPSS software to interpret the data effectively. The findings indicate that remittances play a vital role in improving household financial stability, with many families relying heavily on these funds for daily expenses, education, healthcare, and housing quality. Key findings highlight that higher occupational status of migrant workers correlates significantly with improved living standards. Reliable sources of remittances further enhance housing quality, educational opportunities, and health outcomes for recipients. Additionally, the study reveals that the intended use of remittances whether for immediate household needs, savings, or investment greatly influences the effectiveness of these funds in improving living conditions. This research underscores the significance of remittances as a crucial financial lifeline for households in Ghodaghodi Municipality, contributing substantially to their economic stability and enhancing their quality of life. The results not only provide insights into the socioeconomic dynamics of remittance-receiving households but also offer implications for policy makers and development practitioners aiming to leverage remittances for local economic development and improved living standards.