Financial capability encompasses the knowledge, attitudes, skills and behaviors of consumers with respect to managing their resources and understanding, selecting, and making use of financial services that fit their needs. The indicators on this page measure main aspects of financial capability, some of which refer to attitudes and motivations (e.g. attitudes towards the future, impulsiveness, etc.), others to behaviors (e.g. budgeting, saving, choosing financial products, planning for old age, etc). Each aspect is measured by a number of questions which have been aggregated into composite scores. Each score ranges between 0 (least capable) to 100 (most capable). A database query tool helps you evaluate the financial attitudes and behavior of different subgroups of the population. You can also generate graphs to compare countries.

Click on the country names below to see the details for a specific economy. To sort data click on the column headers.

About Financial Capability and Consumer Protection

The Financial Capability and Consumer Protection surveys measure the internal capacity to take sound financial decisions, as well as the interaction of this capacity with the enabling environment. Measured external factors include the existing financial infrastructure and consumer protection mechanisms.

VIEWING INDICATORS

Budgeting: Making a plan for spending money and keeping to the plan.The Budgeting Score ranges between 0 (lowest score) and 100 (highest score). It measures whether respondents (aged +18) plan how to use money they receive, in terms of frequency, accuracy and regularity with which they stick to the plan.
Not Overspending: Not spending money on non-essentials or non-affordable items.The Not Overspending Score ranges between 0 (lowest score) and 100 (highest score). It measures whether respondents (aged +18) spend money on unnecessary things before buying food and essentials, and spending on non-essentials adults cannot afford.
Living Within Means: Not borrowing more than affordable or for essentials.The Living Within Means Score rangers between 0 (lowest score) and 100 (highest score). It measures whether respondents (aged +18) run short of money after buying essentials and why, their level of borrowing, and if they borrow to buy food and other essentials.
Choosing Fin. Products: Having chosen the fin. product on his / her own.The Choosing Fin. Products Score ranges between 0 (lowest score) and 100 (highest score). It measures whether respondents (aged +18) have chosen financial products on their own.
Attitude Towards the Future: Focusing on the future rather than on today.The Attitude Towards the Future Score ranges between 0 (lowest score) and 100 (highest score). It measures whether respondents (aged +18) agree with statements about living more for the present day than for tomorrow, the future will take care of itself, focus on the short term.
Non-Impulsiveness: Not being impulsive.The Non-Impulsiveness Score ranges between 0 (lowest score) and 100 (highest score). It measures whether respondents (aged +18) agree with statements about being impulsive, saying things without giving them too much thought, doing things without thinking them through.
World64.677.57755.947.665.9
East Asia and Pacific64.771.484.448.76059.3
Eastern Europe and Central Asia72.183.372.355.852.371.6
Latin America and Caribbean65.976.677.856.236.660
Middle East and North Africa38.169.381.162.653.772.8
Armenia (2012)74.183.666.559.328.658.2
Colombia (2012)78.577.974.857.337.459
Lebanon (2012)38.169.381.162.653.772.8
Mexico (2012)51.969.67858.734.459.3
Mongolia (2012)64.771.484.448.76059.3
Tajikistan (2012)81.49483.1..84.393.4
Turkey (2012)60.972.367.352.344.163.2
Uruguay (2012)67.482.380.752.537.961.7