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Research on the Determinants of Financial Literacy and Its Effects on Financial Inclusion: The Cambodian Case and International Comparison Analysis

金融素养的决定因素及其对普惠金融的影响研究：柬埔寨案例与国际比较分析

基本信息

批准号：
22K01474
负责人：
サムレトソワンルン
金额：
$ 2.58万
依托单位：
Saitama University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2022
资助国家：
日本
起止时间：
2022-04-01 至 2026-03-31
项目状态：
未结题

来源：
https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-22K01474/
关键词：
Financial literacy Social capital Microfinance Financial inclusion

项目摘要

The aim of this research is to enhance our understanding of financial literacy in Cambodia and other countries. A comprehensive understanding of financial literacy amongst financial borrowers is crucial for informing relevant policy decisions.During FY2022, we explored the factors influencing financial literacy within Cambodia’s financial sector, with a particular focus on household characteristics and the role of financial institutions. We considered various household attributes such as education, income, age, occupation, their social capital (social networks within communities), and their experiences of financial transactions with formal financial institutions, among others. Utilizing data and information from a household survey in Cambodia, our study confirmed a positive correlation between years of general education and financial literacy, a relationship between lower-income households and lower financial literacy, and an association between higher social capital and increased financial literacy. Furthermore, our analysis revealed that households with more frequent experiences of financial transactions with formal financial institutions possess higher levels of financial literacy.To share our findings with other researchers, we presented our research at an online seminar hosted by the JICA Ogata Research Institute on October 4, 2022, and at the Annual Microfinance Conference in Cambodia on October 28, 2022. The latter presentation was conducted in-person.

本研究的目的是提高我们对柬埔寨和其他国家金融素养的了解。全面了解金融借款人的金融知识对于制定相关政策至关重要。在2022财年，我们探讨了影响柬埔寨金融部门金融素养的因素，特别关注家庭特征和金融机构的作用。我们考虑了各种家庭属性，如教育、收入、年龄、职业、社会资本（社区内的社会网络）以及他们与正规金融机构的金融交易经历等。利用柬埔寨家庭调查的数据和信息，我们的研究证实了普通教育年限与金融素养之间的正相关关系，低收入家庭与较低的金融素养之间的关系，以及较高的社会资本与提高的金融素养之间的关联。此外，我们的分析显示，与正规金融机构进行金融交易次数越多的家庭，其金融素养水平就越高。为了与其他研究人员分享我们的发现，我们在2022年10月4日由JICA绪方研究所主办的在线研讨会上，以及2022年10月28日在柬埔寨举行的年度小额信贷会议上，展示了我们的研究。后者的陈述是亲自进行的。