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Education

Education and financial literacy are important factors in determining individuals’ use formal financial products. In developing economies, adults with a tertiary education are more than twice as likely to have a formal account as those with a primary education or less. Among adults with a primary education or less in low income economies, only 7 percent have saved at a formal financial institution in the past year compared to the global average of 22 percent.

Adults who borrowed from a formal financial institution in the past 12 months, by education (in %)
Adults who saved at a formal financial institution in the past 12 months, by education (in %)
Adults with an account at a formal financial institution, by education (in %)
Source: Demirguc-Kunt and Klapper, 2012
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Source: Demirgunc-Kunt and Klapper, 2012