Financial literacy development in the Republic of Moldova: perspectives and challenges
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2021-02-16 15:57
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CIOBU, Stela; IORDACHI, Victoria. Financial literacy development in the Republic of Moldova: perspectives and challenges. In: Competitivitatea şi inovarea în economia cunoaşterii. Ediţia a 22-a , 25-26 septembrie 2020, Chişinău. Chişinău Republica Moldova: Centrul Editorial-Poligrafic al ASEM, 2020, pp. 622-634. ISBN 978-9975-75-985-4.
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Competitivitatea şi inovarea în economia cunoaşterii
Ediţia a 22-a , 2020
Conferința "Competitivitate şi inovare în economia cunoaşterii"
Chişinău, Moldova, 25-26 septembrie 2020

Financial literacy development in the Republic of Moldova: perspectives and challenges

Dezvoltarea educației financiare în Republica Moldova: perspective și provocări

JEL: I1, I22, I24, I280

Pag. 622-634

Ciobu Stela1, Iordachi Victoria2
1 Academy of Economic Studies of Moldova,
2 National Institute for Economic Research of Moldova
Disponibil în IBN: 2 decembrie 2020


In the Republic of Moldova, financial inclusion it is not sufficiently developed. Financial literacy is closely interconnected with financial inclusion of the population. Moreover, it is increasingly recognized that consumers of financial products and services need adequate financial literacy in order to make informed decisions about important financial matters. The main reasons for the low level of financial inclusion in Moldova should be attributed, first of all, to the low-income level of the population and lack of financial literacy on the one hand, and the rapid development of financial products on the other. Governments, development institutions, and economists are promoting a broad agenda of inclusion in economic and social life, including universal access to education, health care, social security, clean water, and sanitation. Financial literacy has become an important subject in the Republic Moldova as well and the objective of this article is to identify the ways of improving it in our country.

access to education, Consumer Protection, digital payments, financial inclusion, financial literacy, financial services, National Bank of Moldova

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