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Financial literacy --- Finance, Personal --- Study and teaching --- Financial Literacy and Education Commission (U.S.)

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In this ever-changing world of finances, it's good to have a reference book written in easy-to-understand terms that provides the tools to help manage your day-to-day money issues. 'Map Your Financial Freedom' is that reference book. It is packed with real-world examples, tips and tools to help you make smart and profitable financial decisions. In this book you will learn how to: Use your budget to set financial goals; Manage credit responsibly; Avoid pitfalls when buying your dream home; Craft a realistic savings plan for retirement; Live sensibly in your golden years.

Finance, Personal. --- Financial security. --- Security, Financial --- Finance, Personal --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Finance --- Financial literacy --- Planning

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Over the last decade, consumer credit in the Russian Federation has expanded from almost nothing to 9.2 percent of GDP in 2008, at 84 percent average annual growth in 2003-2008 year for five years. Yet, the increases have been uneven throughout the Russian population: more than 40 percent are still financially excluded and only 16 percent have bank accounts. A 2008 survey found that Russian consumers had low levels of financial literacy and lacked awareness of their rights as financial consumers. Three-quarters of the survey's respondents said they would like to receive financial education in order to protect themselves financially and plan for the future. Similar trends of the booming credit markets amid significant gaps in financial literacy around the world have contributed to the global financial crisis of 2008 and emphasized the importance of consumer protection and financial education programs for the long-term health of the financial sector. Responding to a request from Russian authorities, the World Bank conducted a diagnostic review to help Russia design an effective consumer protection and financial literacy framework. This review, presented in two volumes, outlines the key findings and recommendations in Volume I, and analyzes the existing rules and practices in Russia, in comparison with international good practices - in Volume II. Banking, non-bank credit, securities, insurance, private pensions, and credit reporting segments are covered.

Consumer Protection --- Finance and Financial Sector Development --- Financial and Private Sector Development --- Financial Literacy --- Financial Regulation & Supervision --- Insurance --- Insurance & Risk Mitigation --- International Financial Standards and Systems --- Non Bank Financial Institutions --- Pensions & Retirement Systems --- Securities --- Securities Markets Policy & Regulation --- Social Protections and Labor

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Until recently rigorous impact evaluations have been rare in the area of finance and private sector development. One reason for this is the perception that many policies and projects in this area lend themselves less to formal evaluations. However, a vanguard of new impact evaluations on areas as diverse as fostering microenterprise growth, microfinance, rainfall insurance, and regulatory reform demonstrates that in many circumstances serious evaluation is possible. The purpose of this paper is to synthesize and distil the policy and implementation lessons emerging from these studies, use them to demonstrate the feasibility of impact evaluations in a broader array of topics, and thereby help prompt new impact evaluations for projects going forward.

Access to credit --- Access to Finance --- Access to finance --- Bankruptcy and Resolution of Financial Distress --- Banks --- Banks and Banking Reform --- Capital investment --- Capital stock --- Credit constraints --- Credit market --- Credit market failures --- Debt Markets --- Emerging Markets --- Entrepreneurial ability --- Finance and Financial Sector Development --- Financial Literacy --- Financial support --- Greater access --- Households --- Interest rates --- International bank --- Key challenges --- Lack of capital --- Loan --- Microfinance --- Private Sector Development --- Self-employment --- Source of income

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This study begins by considering the banking sector and then moves on to issues relating to improving access to finance to support Nigeria's economic growth vision. The second part of the study refers to issues relating to longer-term finance: both the sources of financing, such as pensions and insurance, and their uses in providing financing for resolving Nigeria's crucial infrastructure shortfalls in infrastructure and housing. The final part of the study returns to the fundamental 'plumbing' of the financial system focusing on the legal and regulatory foundation for creditor rights and corporate insolvency, instituting sound corporate governance standards for corporations and banks, and providing secure and low cost transmittal of payments and remittances. While it is difficult to identify a common theme running through this volume without compromising the diversity and nuance of the recommendations, the overarching theme supported by this volume is the importance of exchange of reliable information as the basis for financial transactions between unconnected third parties. Implementation of systems designed to strengthen accounting and reporting standards for banks and corporations, the registration of movable and immovable property, property liens and credit histories as well as exchange of information about prices, interest rates, fees and charges for financials services will considerably enhance the functionality of financial systems and prove crucial in establishing a trusted and robust market-based financial system in support of stable economic growth and development in Nigeria.

Access to Finance --- Accounting --- Banking Sector --- Bankruptcy and Resolution of Financial Distress --- Capacity Building --- Capital Markets --- Capital Markets and Capital Flows --- Capital Requirements --- Central Banks --- Collateral --- Conflict of Interest --- Consumer Protection --- Corporate Governance --- Debt --- Debt Management --- Deposit Insurance --- Economic Development --- Finance and Development --- Finance and Financial Sector Development --- Financial Crisis --- Financial Institutions --- Financial Literacy --- Financial Management --- Financial Regulation & Supervision --- Fraud --- Gross Domestic Product --- Housing Finance --- Human Capital --- Inflation --- Information Technology --- Infrastructure Investment --- Insurance --- Insurance & Risk Mitigation --- Insurance Industry --- Interest Rates --- Investment Horizon --- Legal Framework --- Legal System --- Life Insurance --- Living Standards --- Local Government --- Market Economy --- Moral Hazard --- Mortgages --- Portfolio Management --- Remittances --- Risk Management --- Securities --- Settlement Systems --- Sovereign Debt --- Transaction Costs --- Transparency