The financial arrangements made by PMI are very close to the Permanent Income Hypothesis theory created by Milton Friedman combined with Life Cycle Income Hypothesis by Ando Modigliani. The Life Cycle Hypothesis emphasizes on how to make choices so that living standards are maintained despite changes in income throughout life, whereas the Permanent Income Hypothesis emphasizes more on forecasting the level of income throughout life. Milton Friedman states that current consumption depends on current income and projected income.

The objective of this study are 1) to identify the use of inclusive finance for PMI and their families in the main areas of origin in Indonesia based on Regions (case studies in three main regions);  2) to analyze factors that influence the utilization of remittances by PMI and their families in consumption and both short- and long-term investment in accordance with the theory of permanent life cycle hypothesis; 3) to analyze the role of stakeholders in the implementation of inclusive finance that encourages the economic improvement of PMI families and the community through entrepreneurship.

This research used a mixed method, which is a combination of quantitative and qualitative methods. A mixed method is a research model that is not only oriented to the research method but also obtains in-depth answers for the problem. The analytical instruments that used in this research are : ATLAS.ti, descriptive statistical analysis combined with qualitative analysis, and regression, which directly compares data obtained in three regions, was used to answer the second goal. Meanwhile, the Matrix of Alliances and Conflicts: Tactics, Objectives and Recommendations (MACTOR) was used to answer the third goal.

This study found that one important point in the economic development of PMI and their family was financial and banking education and economic empowerment through entrepreneurship. The results of data processing using ATLAS.ti shows that entrepreneurship during the placement in Hong Kong is influenced by (1) training, (2) motivation, (3) assistance and (4) capital. The most dominant indicator for training is softskill followed by hardskill. Motivation is the second influential factor in entrepreneurship. Motivation is influenced by the IMW's desire to be independent, followed by entrepreneurial courage, and desire to be close to the family. These results indicate that the motivation for independence with the jargon of Becoming Employer or the desire not to become a worker is the most dominant indicator.