Financial education and women


OECD-INFE Policy guidance on addressing women’s and girls’ needs for financial awareness and education

Endorsed by G20 Leaders at their Summit in September 2013, this policy guidance addresses gender differences in financial literacy and aims to financially empower women and girls. The guidance is complemented by, and based on, an in-depth publication entitled Women and Financial Education: Evidence, Policy Responses and Guidance.

Addressing women's needs for financial education - 250 pixels - shadowAddressing women's needs for financial education

Both women and men need to be sufficiently financially literate to effectively participate in economic activities and to take appropriate financial decisions for themselves and their families, but women often have less financial knowledge and lower access to formal financial products than men. Women therefore have specific and additional financial literacy needs.


This 8-page overview brochure looks at barriers to women’s full financial empowerment; the potential contribution improved financial education can make to their financial well-being; and makes recommendations for financial education initiatives targeting women and girls.

Empowering women through financial awareness and education 

This working paper reviews the literature on gender differences in financial literacy to better understand their causes and consequences as well as possible policy responses. Case studies also provide additional guidance to countries developing and implementing financial education programmes targeting the most vulnerable groups of women.

Gender equality in education, employment and entrepreneurship

Prepared as part of the OECD's gender equality initiative, the report on Gender Equality in Education, Employment and Entrepreneurship informs, shares policy experiences and good practices, and helps governments promote gender equality. The report also addresses gender differences in financial literacy and how financial education can contribute to the financial empowerment of women (chapter 2.6).


G20 Declaration supporting gender equality

“We recognize the need for women and youth to gain access to financial services and financial education, ask the GPFI, the OECD/INFE, and the World Bank to identify barriers they may face and call for a progress report to be delivered by the next Summit” - G20 Leaders Declaration, June 2012

The OECD International Network on Financial Education (INFE) gathers institutions from more than 100 countries to develop policy analysis and guidance on key relevant financial education issues.

The OECD/INFE is particularly committed to supporting women’s financial empowerment and the related G20 agenda by providing policy evidence, analysis, and guidance to help policy makers address women’s needs for financial awareness and education.


Closing the Gender Gap: Act Now (2012)

OECD/INFE financial literacy measurement survey (2012)

International Gateway for Financial Education


OECD gender portal


For further information

Please contact:
Ms. Flore-Anne Messy
Tel: +33 1 45249656




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