World Bank Group2014-09-082014-09-082014-08https://hdl.handle.net/10986/19977The key findings and recommendations presented in this report cover 4 main areas: financial inclusion, financial capability, relationship between financial inclusion and capability, and financial consumer protection. The remaining chapters are structured as follows. Chapter one explores the financial inclusion landscape in Mozambique. Chapter two gives an overview of Mozambicans' levels of financial capability, in particular about their financial knowledge, attitudes and behaviors. The relationship between financial capability and inclusion is discussed in chapter three. The last chapter investigates if the products which financially included individuals use are effectively meeting their needs.en-USCC BY 3.0 IGOACCESS TO CREDITACCESS TO FINANCEACCESS TO FINANCIAL SERVICESACCOUNT OWNERSHIPACCOUNT USAGEAFFORDABILITYAFFORDABLE PRICESAMOUNT OF SAVINGSAVAILABILITY OF CREDITAWARENESS CAMPAIGNSBANK ACCOUNTBANK ACCOUNTSBANK BRANCHBANK BRANCHESBANK CREDITBANK CUSTOMERSBANK LOANBANK LOANSBANK PRODUCTSBANK SERVICESBANKING NETWORKSBANKING PRODUCTBANKING SECTORBANKSBASIC FINANCIAL SERVICESBEHAVIORAL ECONOMICSBIASESBONDSBOOKLETSBORROWINGBUDGETINGCALCULATIONSCAPITAL MARKETCHECKING ACCOUNTCHECKSCOMMERCIAL BANKCOMMERCIAL BANKSCOMMUNITY LEADERSCOMMUNITY ORGANIZATIONSCOMPOUND INTERESTCOMPREHENSIVE FINANCIAL EDUCATIONCONSULTATION PROCESSCONSUMERCONSUMER COMPLAINTSCONSUMER PROTECTIONCONSUMER UNDERSTANDINGCONSUMERSCONTRIBUTIONSCONVENTIONAL BANKCREDIT ASSOCIATIONSCREDIT INSTITUTIONSCREDIT UNIONCURRENCYDAY-TO-DAY MONEY MANAGEMENTDEMOGRAPHIC FACTORSDEPOSITDIVERSIFICATIONECONOMIC DEVELOPMENTECONOMIC GROWTHECONOMIC SHOCKSEDUCATION LEVELSEDUCATION TRUSTEDUCATIONAL ATTAINMENTEDUCATIONAL MATERIALSEMPLOYMENTEXCHANGE RATESFINANCESFINANCIAL ACCESSFINANCIAL BEHAVIORFINANCIAL BEHAVIORSFINANCIAL COMPANIESFINANCIAL CONCEPTSFINANCIAL CONSUMERFINANCIAL CRISESFINANCIAL CRISISFINANCIAL DECISIONFINANCIAL DEVELOPMENTFINANCIAL EDUCATION PROGRAMSFINANCIAL GOALSFINANCIAL ILLITERACYFINANCIAL INSTITUTIONFINANCIAL INSTITUTIONSFINANCIAL INSTRUMENTFINANCIAL INSTRUMENTSFINANCIAL INTERESTFINANCIAL INTERMEDIARIESFINANCIAL KNOWLEDGEFINANCIAL LITERACYFINANCIAL LITERACY QUIZFINANCIAL MARKETFINANCIAL MARKETSFINANCIAL PRODUCTFINANCIAL PRODUCTSFINANCIAL PROVIDERFINANCIAL PROVIDERSFINANCIAL SECTORFINANCIAL SECTOR DEVELOPMENTFINANCIAL SECTOR REFORMSFINANCIAL SERVICEFINANCIAL SERVICE PROVIDERFINANCIAL SERVICE PROVIDERSFINANCIAL SERVICESFINANCIAL STABILITYFINANCIAL SYSTEMFORMAL FINANCIAL INSTITUTIONFORMAL FINANCIAL INSTITUTIONSFORMAL LOANFORMAL SAVINGSGENDERSHIGH INTEREST RATESHOUSEHOLD FINANCESHOUSEHOLD INCOMEHOUSEHOLDSHOUSINGHOUSING FINANCEHOUSING LOANSINCOMEINCOME GROUPINCOME GROUPSINCOME LEVELSINCOME SOURCEINCOMESINFLATIONINFORMAL CREDITINFORMAL FINANCEINFORMAL LENDERINFORMAL SAVINGSINFORMATION CAMPAIGNSINSURANCEINSURANCE COMPANIESINSURANCE SERVICESINTEREST PAYMENTINTEREST RATEINTEREST RATESINTERNATIONAL BANKINVESTMENT OPPORTUNITIESINVESTMENT PRODUCTSKNOWLEDGE GAPKNOWLEDGE GAPSKNOWLEDGE LEVELSLACK OF ACCESSLACK OF AWARENESSLACK OF FINANCELACK OF KNOWLEDGELEGAL FRAMEWORKLENDERLENDERSLESS FINANCIALLY LITERATELIFE EVENTSLOANLOW FINANCIAL LITERACYLOW INCOMELOW MINIMUM BALANCELOW-INCOMELOW-INCOME PEOPLELOWER INCOMELUMP SUMSMARKET PARTICIPANTSMARKETINGMASS MEDIAMEDIA CAMPAIGNSMFIMFISMICROFINANCEMICROFINANCE INSTITUTIONSMINIMUM BALANCEMONEY LENDERMONEY LENDERSMONEY TRANSFERMORTGAGEMORTGAGE PRODUCTSMORTGAGESNEW BUSINESSNONBANK FINANCIAL INSTITUTIONSPAYMENT SYSTEMSPENETRATION RATESPENSIONPENSION COMPANIESPENSION FUNDSPENSION PLANSPENSION PRODUCTSPEOPLESPERSONAL FINANCESPERSONAL SAVINGSPRINT MEDIAPRIVATE BANKSPRIVATE PENSIONPRIVATE PENSIONSPRIVATIZATIONPROBABILITIESPROBABILITYPUBLIC AWARENESSPUBLIC PENSIONQUESTIONNAIREREGRESSION ANALYSISRETAIL PRICESALESSAVERSSAVINGSSAVINGS ACCOUNTSAVINGS GOALSSAVINGS GROUPSSAVINGS PRODUCTSSENIORSOUND FINANCIAL DECISIONSSTAKEHOLDERSSTOCK EXCHANGESTOCK MARKETSTOCKSSUBSIDIARYTECHNICAL ASSISTANCETECHNICAL SUPPORTTRANSACTIONUNEXPECTED EXPENSESURBAN AREASURBAN POPULATIONSVALUABLEVILLAGEVOLATILE INCOMEVULNERABLE GROUPSWIRE TRANSFERS10.1596/19977