期刊
INTERNATIONAL JOURNAL OF CONSUMER STUDIES
卷 41, 期 1, 页码 95-103出版社
WILEY
DOI: 10.1111/ijcs.12318
关键词
Financial consumers; financial literacy; savings behaviour; Zimbabwe
类别
We use survey data from a sample of 4000 adult financial consumers in Zimbabwe to analyse the determinants of financial literacy and its effect on individual's savings decisions. Results show that women have lower financial literacy than men. Furthermore, individuals' residing in rural areas exhibit lower financial literacy compared with urban financial consumers. Financial literacy and financial services interventions targeting women and rural individuals should be strengthened. Econometric results show that financial literacy positively influences savings behaviour for both rural and urban individuals. Furthermore, financial literacy positively influences informal and formal savings. Policy interventions that foster financial literacy are needed to improve individuals saving behaviours.
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