Financial education and consumer protection

Financial Education in South East Europe


About the project

This project provides technical assistance to design and implement effective financial education initiatives that are adapted to the specific needs of participating countries in South East Europe. The project will also promote learning together and sharing knowledge and experience in the region. Other project goals include:

  • Establishing the current level of financial literacy of the population and identifying priorities and target groups;

  • Designing and evaluating a National Strategy for Financial Education

  • Developing and implementing effective interventions to promote financial literacy.

The seven countries taking part in the project are Bulgaria, Croatia, Georgia, Republic of North Macedonia, Moldova, Montenegro and Romania.

Building on its internationally-recognised expertise and longstanding commitment to advancing financial literacy around the world, the OECD/INFE is steering and managing the project. The Netherlands Ministry of Finance is providing financial support within the framework of the Constituency Programme of the Netherlands Ministry of Finance. This five year project will run from 2018 to 2022.


Financial Literacy of Adults in South East Europe

Financial education has gained a prominent position in the global policy agenda and is universally recognised as a core component of the financial empowerment and resilience of individuals, as well as the overall stability of the financial system. Financial knowledge allows individuals to strive towards control over their finances, active saving, avoiding excessive indebtedness and to better understand financial and economic risks and shocks.

This report presents the results of a survey of levels of financial literacy in the South East European countries of Bulgaria, Croatia, Georgia, North Macedonia, Moldova, Montenegro, and Romania. In addition to calculating globally comparable financial literacy scores, the analysis covers financial inclusion and elements of financial well-being, paying particular attention to attributes of individual financial resilience. The report then makes policy recommendations based on the findings.

Download the report


Annual meeting on Financial Education for children and young people in South East Europe

The 2020 annual meeting of the OECD-INFE Technical Assistance Project on Financial Education in South East Europe (SEE) focused on Financial Education for Children and Young People in the New Digital Reality. The two-day meeting,  held on-line, discussed financial education policy development and implementation for youth; underlying challenges and good practices in the SEE region and beyond. 



PISA students' financial literacy results (2017)


National strategies for financial education


International Gateway for Financial Education



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