Financial education in Tajikistan


This page provides an overview of financial literacy in Tajikistan and access to information relating to the country's financial education activities. Tajikistan participated in phase I and phase II of the Technical Assistance Project on Financial Education in the Commonwealth of Independent States (CIS), Eurasia, which ran from 2017-2022.

Financial literacy in Tajikistan

The average literacy score in Tajikistan was 11 (out of a maximum of 21), according to the OECD methodology and survey of 2018. In terms of measuring the financial knowledge, 10% of adults in this study achieved the minimum target score of 4 out of 7. In terms of financial behaviour half of respondents (53%) reach the minimum target score (which is 6 of the 9 behaviours). Tajikistan's Attitude score was low with only 42% displaying attitudes that would reinforce their overall financial literacy.

The results of the second data gathering (2021) can be found here.

Tajikistan's National Strategy

In 2020, Tajikistan launched the process of developing the National Strategy of Financial Education in Tajikistan. The National Bank of Tajikistan is the leading body who is responsible for the implementation of the National Strategy of Financial Education in Tajikistan. The OECD was providing technical assistance to the experts of the National Bank of Tajikistan to develop the National Strategy of Financial Education, as part of phase II of CIS TA project. A range of stakeholders from public sector, including the Ministry of education and science, the private sector, civil society and NGOs were involved in the process of works. Strong foundations existed for the development and implementation of the National Strategy for financial education strategy, – government commitment and private sector readiness. Financial education was one of the main pillars (focus areas) of the NFIS strategy, that emphased the necessity of developing and implementing a National strategy for financial education. The Strategy was ready in 2021 and is expected to be approved in 2022. 

Tajikistan's participation in the project

The OECD-INFE Technical Assistance Project on Financial Education in the Commonwealth of Independent States (CIS) ran from 2017-2022. It provided tailored guidance and technical support for the design, implementation and review of evidence-based financial education strategies and policies in CIS economies. This project covered seven countries: Armenia, Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Tajikistan and Uzbekistan. The project benefited from the financial support of the Ministry of Finance of the Russian Federation.

Tajikistan participated actively in the project from the beginning. The country contributed to the first data collection survey in 2017 and to the follow-up survey in 2021.

Tajikistan actively contributed to the creation of tailored made content for the Policy handbook on financial education in schools and the publication on Financial Literacy Needs of Migrants. The National Bank of Tajikistan co-hosted a Regional Conference and technical workshops on 1) Designing and Implementing a National Strategy for Financial Education and 2) Financial Literacy for Migrants and their Families held on 17-18 September 2019. Additionally, experts from National Bank of Tajikistan and other institutions actively took parts in other events and conferences organised in the framework of the TA assistance project. Tajikistan was also active in contributing to other activities of the Phase II of the project, such as creation of the regional newsletter or participation in the peer learning activities.


Project documents and links

The following documents produced within the framework of the project are either specific to Tajikistan or contain a section relating to Tajikistan:



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