Enhancing Financial Capability and Inclusion in Mozambique : A Demand-Side Assessment

The key findings and recommendations presented in this report cover 4 main areas: financial inclusion, financial capability, relationship between financial inclusion and capability, and financial consumer protection. The remaining chapters are stru...

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Bibliographic Details
Main Author:	World Bank Group
Format:	Publications & Research
Language:	English en_US
Published:	Washington, DC 2014
Subjects:	ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCOUNT OWNERSHIP ACCOUNT USAGE AFFORDABILITY AFFORDABLE PRICES AMOUNT OF SAVINGS AVAILABILITY OF CREDIT AWARENESS CAMPAIGNS BANK ACCOUNT BANK ACCOUNTS BANK BRANCH BANK BRANCHES BANK CREDIT BANK CUSTOMERS BANK LOAN BANK LOANS BANK PRODUCTS BANK SERVICES BANKING NETWORKS BANKING PRODUCT BANKING SECTOR BANKS BASIC FINANCIAL SERVICES BEHAVIORAL ECONOMICS BIASES BONDS BOOKLETS BORROWING BUDGETING CALCULATIONS CAPITAL MARKET CHECKING ACCOUNT CHECKS COMMERCIAL BANK COMMERCIAL BANKS COMMUNITY LEADERS COMMUNITY ORGANIZATIONS COMPOUND INTEREST COMPREHENSIVE FINANCIAL EDUCATION CONSULTATION PROCESS CONSUMER CONSUMER COMPLAINTS CONSUMER PROTECTION CONSUMER UNDERSTANDING CONSUMERS CONTRIBUTIONS CONVENTIONAL BANK CREDIT ASSOCIATIONS CREDIT INSTITUTIONS CREDIT UNION CURRENCY DAY-TO-DAY MONEY MANAGEMENT DEMOGRAPHIC FACTORS DEPOSIT DIVERSIFICATION ECONOMIC DEVELOPMENT ECONOMIC GROWTH ECONOMIC SHOCKS EDUCATION LEVELS EDUCATION TRUST EDUCATIONAL ATTAINMENT EDUCATIONAL MATERIALS EMPLOYMENT EXCHANGE RATES FINANCES FINANCIAL ACCESS FINANCIAL BEHAVIOR FINANCIAL BEHAVIORS FINANCIAL COMPANIES FINANCIAL CONCEPTS FINANCIAL CONSUMER FINANCIAL CRISES FINANCIAL CRISIS FINANCIAL DECISION FINANCIAL DEVELOPMENT FINANCIAL EDUCATION PROGRAMS FINANCIAL GOALS FINANCIAL ILLITERACY FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INSTRUMENT FINANCIAL INSTRUMENTS FINANCIAL INTEREST FINANCIAL INTERMEDIARIES FINANCIAL KNOWLEDGE FINANCIAL LITERACY FINANCIAL LITERACY QUIZ FINANCIAL MARKET FINANCIAL MARKETS FINANCIAL PRODUCT FINANCIAL PRODUCTS FINANCIAL PROVIDER FINANCIAL PROVIDERS FINANCIAL SECTOR FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR REFORMS FINANCIAL SERVICE FINANCIAL SERVICE PROVIDER FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL STABILITY FINANCIAL SYSTEM FORMAL FINANCIAL INSTITUTION FORMAL FINANCIAL INSTITUTIONS FORMAL LOAN FORMAL SAVINGS GENDERS HIGH INTEREST RATES HOUSEHOLD FINANCES HOUSEHOLD INCOME HOUSEHOLDS HOUSING HOUSING FINANCE HOUSING LOANS INCOME INCOME GROUP INCOME GROUPS INCOME LEVELS INCOME SOURCE INCOMES INFLATION INFORMAL CREDIT INFORMAL FINANCE INFORMAL LENDER INFORMAL SAVINGS INFORMATION CAMPAIGNS INSURANCE INSURANCE COMPANIES INSURANCE SERVICES INTEREST PAYMENT INTEREST RATE INTEREST RATES INTERNATIONAL BANK INVESTMENT OPPORTUNITIES INVESTMENT PRODUCTS KNOWLEDGE GAP KNOWLEDGE GAPS KNOWLEDGE LEVELS LACK OF ACCESS LACK OF AWARENESS LACK OF FINANCE LACK OF KNOWLEDGE LEGAL FRAMEWORK LENDER LENDERS LESS FINANCIALLY LITERATE LIFE EVENTS LOAN LOW FINANCIAL LITERACY LOW INCOME LOW MINIMUM BALANCE LOW-INCOME LOW-INCOME PEOPLE LOWER INCOME LUMP SUMS MARKET PARTICIPANTS MARKETING MASS MEDIA MEDIA CAMPAIGNS MFI MFIS MICROFINANCE MICROFINANCE INSTITUTIONS MINIMUM BALANCE MONEY LENDER MONEY LENDERS MONEY TRANSFER MORTGAGE MORTGAGE PRODUCTS MORTGAGES NEW BUSINESS NONBANK FINANCIAL INSTITUTIONS PAYMENT SYSTEMS PENETRATION RATES PENSION PENSION COMPANIES PENSION FUNDS PENSION PLANS PENSION PRODUCTS PEOPLES PERSONAL FINANCES PERSONAL SAVINGS PRINT MEDIA PRIVATE BANKS PRIVATE PENSION PRIVATE PENSIONS PRIVATIZATION PROBABILITIES PROBABILITY PUBLIC AWARENESS PUBLIC PENSION QUESTIONNAIRE REGRESSION ANALYSIS RETAIL PRICE SALES SAVERS SAVINGS SAVINGS ACCOUNT SAVINGS GOALS SAVINGS GROUPS SAVINGS PRODUCTS SENIOR SOUND FINANCIAL DECISIONS STAKEHOLDERS STOCK EXCHANGE STOCK MARKET STOCKS SUBSIDIARY TECHNICAL ASSISTANCE TECHNICAL SUPPORT TRANSACTION UNEXPECTED EXPENSES URBAN AREAS URBAN POPULATIONS VALUABLE VILLAGE VOLATILE INCOME VULNERABLE GROUPS WIRE TRANSFERS
Online Access:	http://documents.worldbank.org/curated/en/2014/08/20151823/enhancing-financial-capability-inclusion-mozambique-demand-side-assessment http://hdl.handle.net/10986/19977

Description
Summary:	The key findings and recommendations presented in this report cover 4 main areas: financial inclusion, financial capability, relationship between financial inclusion and capability, and financial consumer protection. The remaining chapters are structured as follows. Chapter one explores the financial inclusion landscape in Mozambique. Chapter two gives an overview of Mozambicans' levels of financial capability, in particular about their financial knowledge, attitudes and behaviors. The relationship between financial capability and inclusion is discussed in chapter three. The last chapter investigates if the products which financially included individuals use are effectively meeting their needs.

Enhancing Financial Capability and Inclusion in Mozambique : A Demand-Side Assessment

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