Degree Name

MA in Sustainable Development

First Advisor

Jeff Unsicker


The world changed after 9/11, and so did the US banking regulations. One change was that it has become increasingly difficult for families and communities in Somalia to receive remittances from relatives and friends living in the United States. Those funds are essential to the livelihoods of 40% of the population, especially women and children. It further has a negative impact on the national economy of one of the world’s poorest countries. However, US banks has become increasingly willing to assume the costs of complying with the government’s Anti-Money Laundering and Combatting the Financing of Terrorism (AML/CFT) regulations or to risk the penalties for failing to meet those regulations. The problem grew to crisis levels in 2011, as the country was experiencing a devastating drought. At that point, Oxfam America, responding to requests from its local development partners, agreed to use its well-developed policy research and advocacy capacity in an effort to resolve the problem. This case study documents, evaluates and draws lessons from the first three years of Oxfam’s ongoing campaign on remittances into Somalia.


Finance | International Relations | Politics and Social Change