Women and Financial Education : Evidence, Policy Responses and Guidance.

Foreword
 Table of contents
 Acronyms and abbreviations
 Executive summary
 Key findings
 Chapter 1. Introduction
 Background and rationale
 Process
 Scope of the publication
 References
 Chapter 2. Gender differences in financial literacy
 Women have lower levels of financial knowledge
 Figure 2.1. Average financial knowledge score by gender
 Box 2.1. Different financial literacy gaps across students, employees and retirees in India
 Gender differences in financial knowledge at young ages
 Figure 2.2. Average financial knowledge score by gender (young people). Box 2.2. Gender differences in financial literacy among 15 year-oldsSmaller but still significant gender differences after controlling for socio-demographic factors
 Figure 2.3. Gender differences in financial knowledge controlling for socio-demographic factors
 Less well-educated and poor women have the lowest financial knowledge
 Different financial attitudes across genders
 Women appear to be aware of their lack of financial knowledge
 Women have lower confidence than men in their financial knowledge and skills
 Figure 2.4. Average number of \"do not know\" replies by gender. Men are more likely to be over-confident in their financial skillsGender differences in interest for financial matters
 Women are more risk-averse than men
 Implications for women\'s financial behaviour
 Gender differences in financial behaviour and strategies
 Women are more likely to have a budget and to keep track of their finances
 Figure 2.5. Responsibility for day-to-day money management decisions in the household
 Figure 2.6. Responsible for money management decision and has a household budget
 Figure 2.7. I keep a close personal watch on my financial affairs. Making ends meet: women tend to cut down on spending while men try to earn extra moneyFigure 2.8. Inability to cover living expenses
 Figure 2.9. Strategies for making ends meet: Cutting back on spending
 Figure 2.10. Strategies for making ends meet: Earning extra money
 Gender differences in product holding
 Figure 2.11. Percentage of respondents who hold a payment product
 Figure 2.12. Percentage of respondents who hold an investment product
 Gender differences in saving behaviour
 Figure 2.13. Percentage of respondents who hold a saving product. Box 2.3. Women, financial literacy and credit card behaviourFigure 2.14. Ability to cover living expenses in case of an income loss
 Figure 2.15. Saving behaviour: Actively saving through formal products
 Figure 2.16. Saving behaviour: Saving informally
 Box 2.4. Saving and spending by young people in the Netherlands
 Women are less likely to choose financial products appropriately
 Figure 2.17. Has tried to compare financial products across providers
 Figure 2.18. Information sources: Made an attempt at taking an informed decision from independent or non-independent sources.