Women and Financial Education

Evidence, Policy Responses and Guidance

image of Women and Financial Education

Gender equality in terms of economic and financial opportunities is becoming increasingly relevant at both national and international level. The need to address the financial literacy of women and girls as a way to improve their financial empowerment, opportunities, and well-being has been acknowledged by the G20 Leader’s Declaration in June 2012, as well as part of a wider horizontal OECD project on gender equality. The OECD International Network on Financial Education (INFE) established a dedicated workstream in 2010 to address the needs of women for financial education under the support of the Russia/World Bank/OECD Trust Fund for financial literacy and education.

This book collects the work carried out within this workstream, including policy guidance to help policy makers address women's and girls' needs for financial education, and a comprehensive analysis of the current status of knowledge on gender differences in financial literacy and policy responses in terms of financial education for women and girls.



Barriers to women's financial empowerment and factors affecting gender differences in financial literacy

The existence of gender differences in financial literacy calls for a better understanding of the factors affecting women’s financial literacy with respect to men’s. A number of factors are likely to not only reduce women’s financial well-being per se, but also to limit the extent to which women can improve their knowledge, confidence and skills about economic and financial issues, including:A more limited access to education, employment, entrepreneurship for women than for men.Lower financial inclusion and access to formal financial markets for women than for men.The existence of different social attitudes and legal treatment towards men and women in many countries.


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