Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When?

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Tác giả: Tim Kaiser

Ngôn ngữ: eng

Ký hiệu phân loại: 658.15 Financial management

Thông tin xuất bản: World Bank, Washington, DC, 2017

Mô tả vật lý:

Bộ sưu tập: Tài liệu truy cập mở

ID: 326242

A meta-analysis of 126 impact evaluation studies finds that financial education significantly impacts financial behavior and, to an even larger extent, financial literacy. These results also hold for the subsample of randomized experiments (RCTs). However, intervention impacts are highly heterogeneous: financial education is less effective for low-income clients as well as in low- and lower-middle income economies. Specific behaviors, such as the handling of debt, are more difficult to influence and mandatory financial education tentatively appears to be less effective. Thus, intervention success depends crucially on increasing education intensity and offering financial education at a "teachable moment."
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