This exploratory mixed methods study sought to determine the financial capabilities of remittance-receiving households from two rural municipalities in the Philippines: San Nicolas in Ilocos Norte province and Moncada in Tarlac province. The broader concept of financial capabilities not only looks at people’s financial literacy but also their financial inclusion (access to financial products) and financial functionings (actions on finance). Quantitative household surveys and qualitative data gathering methods that fall under a rapid qualitative inquiry (RQI) design were employed. Results and findings show that more remittance households from San Nicolas saved, invested, and did business in their hometown compared to counterpart migrant household respondents from Moncada. Differences in migrant households’ levels of financial literacy, as well as the geographic make-up and economic activities of the two municipalities, may help explain why one municipality had more migrant investors, savers, and entrepreneurs over the other.

这项探索性混合方法研究旨在确定财务能力来自菲律宾两个农村城市的汇款接收家庭的数量：北伊罗戈省的圣尼古拉斯和塔拉克省的蒙卡达。更广泛的金融能力概念不仅着眼于人们的金融素养，还着眼于他们的金融包容性（获得金融产品）和金融功能（金融行动）。采用了属于快速定性调查 (RQI) 设计的定量住户调查和定性数据收集方法。结果和调查结果表明，与来自蒙卡达的相应移民家庭受访者相比，来自圣尼古拉斯的汇款家庭更多地在家乡储蓄、投资和经商。流动人口家庭金融知识水平的差异，以及两个城市的地理构成和经济活动，