Research

Key research articles on financial education general issues are listed below, in alphabetical order, by author/institution:

A | B | C | D | E | F | G | H |  I |  J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z

A

• Asobancaria (2008), Balance de la Bancarización en Colombia, Semana Económica, November 2008.
• Steve Anderson et al.(2002), Financial links for low-income people (FLLIP): an evaluation of implementation and initial training activity, School of Social Work University of Illinois at Urbana-Champaign, December 2002
• ANZ bank (2005), Adult financial literacy, personal debt and financial difficulty in Australia, 25 November 2005 (see also full report).
• ANZ bank (2005), Kick-start your financial fitness
• Australian Consumer and Financial Literacy Taskforce (2004), Australian consumers and money, June 2004.
• Australian Consumer and Financial Literacy Taskforce (n.d.), Australian consumers and money—appendix 3
• AMF Autorité des Marchés Financiers (2005), Pour l'éducation économique et financière des épargnants (in French).
• Adele Atkinson (2007), Financial capability amongst adults with literacy and numeracy needs, Personal Finance Research Centre, University of Bristol, January 2007

B

• Banque de France (2008), Rapport annuel de l’Observatoire de la microfinance
• Banco Central de Reserva de El Salvador and Departamento de Investigacion Economica y Financiera (2008), La Educacion Financiera, commo un pilar para el desarollo financiero de los paises: una aplicacion para El Salvador, 30 December 2008 (in Spanish)
• Bertelsmann Stiftung (2004), Finanzieller analphabetimus in Deutschland: schlechte voraussetzungen fur eigenverantwortliche vorsorge, March 2004 (in German only).

• Elizabeth Bell, et al.(2005), Strengthening private sources of retirement savings for low-income families, The Urban Institute, Opportunity and Ownership Project, No. 5, September 2005.

C

• Cato Institute (1998), The Benefits of Social Security Privatization for Women, SSP No. 12, 20 July 1998.

D

• UK DWP DTI (2006), Tackling over-indebtedness, Annual Report 2006.

E

• Employee Benefit Research Institute (EBRI) (2009), The 2009 Retirement Confidence Survey: Economy Drives Confidence to Record Lows; Many Looking to Work Longer, April 2009
• A.G. Edwards (2007), Background information on their Nest Egg Score
• A.G. Edwards (2006), Nest Egg Score shows that Americans doing a fair job at building wealth
• European Credit Research Institute (ECRI) & Personal Finance Research Center (PFRC), Consumer Financial Vulnerability: Technical Report, June 2008.
• European Credit Research Institute (ECRI) & Personal Finance Research Center (PFRC), Consumer Financial Vulnerability: Applied Report, June 2008.
• European Union (n.d.), Development of online consumer education tools for adults - Trainers' Guide

F

• Fabric of society (2010), Précaires & Clients : l’entreprise face à des nouveaux consommateurs, www.fabricofsociety.fr/images/stories/precairesetclients.pdf [in French]
• Friends Provident Foundation (2009), Stephen Sinclair et al, Understanding financial inclusion - Using action research and a knowledge exchange review to establish what is agreed, and what remains contested
• Pamela Friedman (2005), Providing and Funding Financial Literacy Programs for Low-Income Adults and Youth, Strategy Brief, Finance Project, September 2005.
• FSA, Financial Risk Outlook
• Fannie Mae Foundation (2000), Personal Finance and the Rush to Competence: Financial Literacy Education in the US

G

• Georges Gloukoviezoff, (LEFI - Université Lyon2) and Jeanne Lazarus (EHESS Paris), 2007, Évaluation d’impact des Crédits Projet Personnel du Secours Catholique, Rapport intermédiaire, Mai 2007 (in French).

H

• Marianne A. Hilgert (2003), Household financial management: the connection between knowledge and behaviour, Federal Reserve Bulletin, July 2003.
• HM Treasury, Financial inclusion: an action plan for 2008-11, December 2007.

I

• Institute of Policy Analysis and Research (2007), Poverty Reduction Through Enhanced Access to Financial Services: Case Studies of Botswana, Kenya and Namibia, Occasional Paper No. 010/2007, A Southern and Eastern Africa Policy Research Network Research.
• Dan Iannicola (2003), testimony on financial education, before the Subcommittee on Education Reform Committee on Education and the Workforce U.S. House of Representatives, JS-950, 28 October 2003.
• IEFP Institut pour l’Education Financière du Public (2006), Une enquête sur les jeunes et l’argent (in French).
• IMF (2005), Global Financial Stability Report 2005, Overview (Transfer of risks to households)
• IMF (2005), Global Financial Stability Report 2005, Chapter III Household Balance Sheets
• Institute for Women’s Policy Research (2000), Why privatizing social security would hurt women, IWPR Publication # D437RB, March 2000.

J

• John Hancock Financial Services (2002), Insight into Participant Investment Knowledge and Behavior
• Katy Jacob et al. (2000), Tools for Survival: an analysis of financial literacy programs for lower income families, Woodstock Institute, January 2000.
   

K

• Elaine Kempson (2005), Incentives to Save: Encouraging Saving Among Low-Income Households, Personal Finance Research Centre,University of Bristol, March 2005.
• Elaine Kempson et al. (2004), Policy level response to financial exclusion in developed countries: lessons for developing countries, The Personal Finance Research Centre, University of Bristol, September 2004.
• Sophie Korczyk (2003), Women and Individual Social Security Accounts in Chile, Australia, and the United Kingdom, The Public Policy Institute, AARP, July 2003.
• Jinhee Kim (2003), Relationships among credit counselling, financial well-being and health, Consumer Interests Annual Volume 49, 2003.

L

• Annamaria Lusardi and Olivia Mitchell (2006), Baby boomer retirement security: the roles of planning, financial literacy, and housing wealth, Working Paper, WP 2006-114, University of Michigan Retirement Research Center, April 2006. 
• Cazilia Loibl and Tahira Hira, Effects of financial education on self-directed financial learning and career satisfaction of lower-level, white-collar workers
• Angela Lyons and Erik Scherpf (n.d.), Moving from unbanked to banked: evidence from the Money Smart Program, previously published in Financial Service Review, vol. 13/3, pp. 215-231.

M

• Michigan Retirement Research Center (2009), Proceedings of the conference on Financial Literacy in Times of Turmoil and Retirement Insecurity, 20 March 2009
  

N

• National Council of La Raza (2004), Financial Education in Latino Communities: Analysis of Programmes, Products and Results/Effects, December 2004.
• National Endowment for Financial Education NEFE (2002), Financial literacy in America: individual choices, national consequences, presented at the The State of Financial Literacy in America—Evolutions and Revolutions symposium, held on October 9-11, 2002, in Denver, Colorado, United States. 
• New America Foundation (2006), Policy Options to Improve Financial Education: Equipping Families for their Financial Futures, by Leslie Parrish and Lisa Servon, June 2006.

O

P

• Alexis Petitjean (2008), La formation financière, gage d'une préparation efficace à la retraite, Alexis Petitjean (Crédit Agricole), Horizons Bancaires, avril 2008
• Principal (2004), The Principal Global Financial Well-Being Study, 2004 Executive Summary
• Proshare Organization, a UK not-for-profit subscription organisation that represents member firms involved in employee share plans, www.proshare.org.

R

• Dory Rand (2004), Financial education and asset building programs for welfare recipients and low income workers: the Illinois experience, an essay prepared for the Local Innovations in Welfare and Work Series, The Brookings Institution, Center on Urban and Metropolitan Policy, April 2004.
• RMIT University (2007), Saver Plus–encouraging savings and increasing financial capabilities among low-income families, June 2007.
• RMIT University (2005), Improving Techniques for Evaluating Financial Literacy and Inclusion Programs 

S

• Scottish Widows (2009), UK Pensions Report - A major assessment of pensions savings behaviour, June 2009.
• Social and Enterprise Development Innovations SEDI Canada (2004),  Financial Capability and Poverty, Discussion Paper, July 2004.
• Government of Slovakia (2006): Conceptual Framework - Consumer protection in the area of financial services, provision of financial education and regulation of mediatory and advisory activities in the financial market in the Slovak Republic

W

• Warsaw School of Economics - Szkoła Główna Handlowa we Warszawie (www.sgh.waw.pl) (2009), Financial products and financial education in Poland in comparison to selected well-developed countries, (in Polish), by Prof. SGH dr hab. Małgorzata Iwanicz-Drozdowska et al., Center for Financial Services Market Research, General Insurance Department, College of Management and Finance
• World Bank, Diagnostic reviews on consumer protection in financial services (including issues of financial literacy): www.worldbank.org/eca/consumerprotection
• Washington University, St. Louis (2000), Saving and asset accumulation strategies used by low-income individuals, Center for Social Development, Working Paper 00-17.
• Woodstock Institute (1997), Currency Exchanges Add to Poverty Surcharge for Low-Income Residents, Reinvestment Alert, Number 10, March 1997.
• WSBI (2009), The contribution of financial education to the enlargement of access to finance, WSBI involvement, views and proposals, January 2009 

Y

• Gómez Yubero, M.J. (2008). 'Financial education: from information to knowledge and informed financial decision-making'. CNMV Bulletin. Quarter II / 2008.