Llyfrau a Phenodau Llyfrau
                                                                        
                                              
                         
                        
                                The economic analysis of the effects of remittances has become an increasingly important issue in recent years because of the rapid growth of this form of financial flow. Official estimates put global remittances at around $80bn in 2002, but the total amount, which includes flows through unofficial channels, is thought to be far greater than…