This article engages with a global migration-development agenda that aims to harness the development potential of remittances by incorporating remittance flows and households into global finance. Drawing upon 10 months of fieldwork research with remittance recipients in Ghana and Senegal, this paper shows that any attempts to financialise and channel remittances away from so-called ‘informal’ financial circuits face differentiated forms of contestation, namely reluctance, refusal, and dissent. To explain how and why variegated financial practices and subjectivities – that differ from the neoliberal self-disciplined subject – emerge and endure, the paper draws together analyses on everyday financialisation with discussions on the central role of ‘informal’ finance and the concept of relational value in processes of social reproduction and strategies of future-making. In doing so, it contributes to a growing body of work that aims to decentre research on everyday financialisation beyond Anglo-American economies, and the Global North more generally.

本文涉及全球移民发展议程，该议程旨在通过将汇款流量和家庭纳入全球金融来利用汇款的发展潜力。通过对加纳和塞内加尔的汇款接收者进行的为期10个月的实地调查研究，本文显示，任何将汇款金融化和将其从所谓的“非正式”金融渠道转移出去的尝试都面临着不同的竞争形式，即不愿，拒绝和异议。要解释与新自由主义自律的主题不同的，多样化的财务实践和主观如何以及为什么会出现并持续下去，本文将对日常金融化进行分析，并讨论“非正式”金融的核心作用以及社会再生产过程中的关系价值概念和未来战略。通过这样做，它为不断壮大的工作做出了贡献，该工作旨在将研究范围分散到英美经济体以及更广泛的全球北部以外的日常金融化方面。