We study determinants of financial inclusion for individuals with a refugee background (refugees) from over 30 countries residing in Utica, New York. We find that greater financial inclusion is associated with refugees who are male, more educated, employed, richer, older at time of migration, have better language skills, and have lived in the country longer. Financial inclusion also increases with the degree to which refugees trust financial institutions and decreases with the degree to which refugees' close friends are from the same ethnic group. Country of origin, religious affiliation, and religiosity are strong predictors in many specifications.

中文翻译：

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资助以难民身份到达美国的个人

我们研究了来自纽约州Utica的30多个国家的具有难民背景（难民）的个人的金融包容性决定因素。我们发现，更大的金融包容性与难民有关，这些难民是男性，受教育程度更高，受雇于工作，在移民时更富裕，年龄更大，具有更好的语言能力并且在该国居住的时间更长。金融包容性也随着难民对金融机构的信任程度的提高而增加，并随着难民的亲密朋友来自同一种族的程度而降低。在许多规范中，原籍国，宗教信仰和宗教信仰是很强的预测指标。