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

这项研究的目的是加强我们对柬埔寨和其他国家金融知识的了解。在2022财政年度，我们探讨了影响柬埔寨金融业金融知识的因素，特别关注家庭特征和金融机构的作用。我们考虑了家庭的各种属性，如教育、收入、年龄、职业、社会资本（社区内的社交网络），以及他们与正规金融机构进行金融交易的经验等。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知识之间的正相关关系，低收入家庭与较低的金融知识之间的关系，以及较高的社会资本与增加的金融知识之间的关系。此外，我们的分析还显示，在正规金融机构进行金融交易的次数越多的家庭，金融知识水平越高。为了与其他研究人员分享我们的研究结果，我们于2022年10月4日在JICA绪方综合研究所举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介绍了我们的研究。后一次介绍是亲自进行的。

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.