Financial education in countries from the Constituency programme of the Netherlands Ministry of Finance


About the project

Building on the successful implementation of a five-year project on financial literacy in the constituency programme of the Ministry of Finance of the Netherlands (2018-2022), the OECD International Network on Financial Education (INFE) is continuing its co-operation with participating countries from 2023 until 2027, offering policy guidance and support for the design and implementation of their financial education initiatives. The project encompasses the following work streams:

  • Research: assessing and analysing adult financial literacy levels, identifying priorities, studying specific challenges, including those experienced by specific demographic groups
  • Development: supporting the design, review, and implementation of national financial literacy strategies and initiatives (as relevant) through peer learning and capacity building
  • Knowledge sharing: providing a forum for the exchange of experiences and policy dialogue, thus fostering the project’s relevance and impact

This initiative, undertaken with the financial support of the Ministry of Finance of the Netherlands and benefitting from the technical expertise of its Money Wise Platform, includes Armenia, Bosnia and Herzegovina, Bulgaria, Croatia, Georgia, Moldova, Montenegro, the Republic of North Macedonia, Romania, and Ukraine. 

In Focus

Latest publications

Financial literacy and digitalisation for MSMEs in South East Europe

- A tool for empowering owners and managers


This report analyses the relationship between financial literacy, inclusion, and awareness, as well as the use of financial products and services, and the digitalisation of micro, small and medium-sized enterprises (MSMEs). It presents the results of a thorough data collection and analysis exercise carried out with owners and managers of MSMEs in Bulgaria, Croatia, Georgia, Moldova, Montenegro, North Macedonia, and Romania in 2021 and 2022.


Read the report



Financial Literacy of Adults in South East Europe

Financial Education in South East Europe


This 2020 report presents the results of a survey of levels of financial literacy in the South East European countries of Bulgaria, Croatia, Georgia, Republic of 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.


Read the survey



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