Analysis of the Financial Literacy Survey in Romania and Recommendations

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dc.creatorStănculescu, Manuela Sofia
dc.date2013-03-24T22:49:55Z
dc.date2013-03-24T22:49:55Z
dc.date2010-06
dc.date.accessioned2026-07-01T01:08:39Z
dc.descriptionThis final report includes the analysis of the baseline survey on Financial Literacy in Romania.The survey is the follow-up of the Diagnostic Review on Consumer Protection and Financial Literacy conducted by the World Bank in 2008-2009. The Diagnostic Review in Romania was the fourth in a World Bank-sponsored pilot program to assess consumer protection and financial literacy in developing and middle-income countries. The objectives of this Review were three-fold to: (1) refine a set of good practices for assessing consumer protection and financial literacy, including financial literacy; (2) conduct a review of the existing rules and practices in Romania compared to the good practices; and (3) provide recommendations on ways to improve consumer protection and financial literacy in Romania. The Diagnostic Review was prepared at the request of the National Authority for Consumers' Protection (ANPC), whose request was endorsed by the Ministry of Economy and Finance. Support was provided by the National Bank of Romania (BNR), which supervises banks and non-bank credit institutions. Further assistance was given by the supervisory commissions for securities (CNVM), insurance (CSA) and private pensions (CSSPP). The Diagnostic Review found that the basic foundations needed for consumer protection and financial literacy are in place in Romania but they benefit from further strengthening support. The Review proposes improvements in six areas: consumer awareness, information and disclosure for consumers, professional competence, dispute resolution, financial education and financial literacy surveys.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2010/06/16408985/analysis-financial-literacy-survey-romania-recommendations
dc.identifierhttps://hdl.handle.net/10986/12874
dc.identifierhttps://doi.org/10.1596/12874
dc.identifier.urihttp://hdl.handle.net/123456789/415568
dc.languageEnglish
dc.languageen_US
dc.publisherWorld Bank, Washington, DC
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESSIBILITY
dc.subjectAGRICULTURAL SECTORS
dc.subjectALM
dc.subjectANNUAL INTEREST RATE
dc.subjectASSET CLASSES
dc.subjectBANK ACCOUNT
dc.subjectBANK CREDIT
dc.subjectBANK DEBIT CARD
dc.subjectBANK DEPOSIT
dc.subjectBANK LOAN
dc.subjectBANK LOANS
dc.subjectBANK OFFICERS
dc.subjectBANKING SERVICES
dc.subjectBANKRUPTCY
dc.subjectBANKS
dc.subjectBASIC NEED
dc.subjectCALCULATION
dc.subjectCAR INSURANCE
dc.subjectCHECKS
dc.subjectCITY SIZE
dc.subjectCOMMERCIAL BANK
dc.subjectCONSUMER
dc.subjectCONSUMER LOAN
dc.subjectCONSUMER LOANS
dc.subjectCONSUMER PROTECTION
dc.subjectCONSUMER RIGHTS
dc.subjectCOST OF CREDIT
dc.subjectCREDIT CARD
dc.subjectCREDITS
dc.subjectCROP INSURANCE
dc.subjectCURRENT ACCOUNT
dc.subjectCURRENT ACCOUNTS
dc.subjectDEBT
dc.subjectDEMOGRAPHIC
dc.subjectDEMOGRAPHIC PROFILES
dc.subjectDEPOSIT
dc.subjectDEPOSIT INSURANCE
dc.subjectDEPOSIT INSURANCE COVERAGE
dc.subjectDEPOSITS
dc.subjectDURABLES
dc.subjectEMPLOYEE
dc.subjectEMPLOYER
dc.subjectEXCHANGE RATE
dc.subjectEXPOSURE
dc.subjectFARMER
dc.subjectFINANCES
dc.subjectFINANCIAL CHOICES
dc.subjectFINANCIAL COMPANIES
dc.subjectFINANCIAL COMPANY
dc.subjectFINANCIAL CONCEPTS
dc.subjectFINANCIAL CONSUMERS
dc.subjectFINANCIAL CRISIS
dc.subjectFINANCIAL EDUCATION
dc.subjectFINANCIAL ILLITERACY
dc.subjectFINANCIAL INDEPENDENCE
dc.subjectFINANCIAL INFORMATION
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL ISSUES
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL LITERACY PROGRAM
dc.subjectFINANCIAL LITERACY SURVEY
dc.subjectFINANCIAL LITERACY SURVEYS
dc.subjectFINANCIAL MATTERS
dc.subjectFINANCIAL OPPORTUNITIES
dc.subjectFINANCIAL PLAN
dc.subjectFINANCIAL PLANNING
dc.subjectFINANCIAL PLANS
dc.subjectFINANCIAL PROBLEM
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL REGULATORS
dc.subjectFINANCIAL RESOURCES
dc.subjectFINANCIAL RESPONSIBILITY
dc.subjectFINANCIAL RISKS
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SERVICES AUTHORITY
dc.subjectFINANCIAL SETBACKS
dc.subjectFINANCIAL SKILLS
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL TRAINING
dc.subjectFINANCIAL TRANSACTIONS
dc.subjectFIXED INTEREST
dc.subjectFIXED INTEREST RATE
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN LANGUAGE
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectFRAUD
dc.subjectGENDER
dc.subjectGENERAL POPULATION
dc.subjectGOVERNMENT SUPPORT
dc.subjectHOUSEHOLD FINANCES
dc.subjectHOUSEHOLD INCOME
dc.subjectHOUSEHOLDS
dc.subjectHOUSING
dc.subjectID
dc.subjectINCOME
dc.subjectINCOME LEVEL
dc.subjectINCOMES
dc.subjectINFLATION
dc.subjectINFLATION RATE
dc.subjectINFORMAL BANK
dc.subjectINFORMED CHOICES
dc.subjectINHERITANCE
dc.subjectINSURANCE
dc.subjectINSURANCE COMPANIES
dc.subjectINSURANCE POLICIES
dc.subjectINSURANCE POLICY
dc.subjectINSURANCE PRODUCTS
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL FINANCIAL CRISIS
dc.subjectINVESTING
dc.subjectINVESTMENT FUNDS
dc.subjectINVESTMENT INCOME
dc.subjectJEWELLERY
dc.subjectLACK OF ACCESS
dc.subjectLARGE CITIES
dc.subjectLAWS
dc.subjectLIFE EXPECTANCY
dc.subjectLIFE INSURANCE
dc.subjectLIFE STAGE
dc.subjectLIVING PAYCHECK TO PAYCHECK
dc.subjectLIVING STANDARD
dc.subjectLIVING STANDARDS
dc.subjectLOAN RATES
dc.subjectMARKET VALUE
dc.subjectMASS MEDIA
dc.subjectMONEY MANAGEMENT
dc.subjectMONTHLY INCOME
dc.subjectMORTGAGE
dc.subjectMORTGAGE LOAN
dc.subjectMORTGAGE LOANS
dc.subjectNATIONAL BANK
dc.subjectNATIONAL CURRENCY
dc.subjectPAWN
dc.subjectPAWN SHOPS
dc.subjectPENSION
dc.subjectPENSION PLANNING
dc.subjectPENSION SCHEME
dc.subjectPENSION SYSTEM
dc.subjectPENSIONERS
dc.subjectPERSONAL FINANCE
dc.subjectPERSONAL INCOME
dc.subjectPERSONAL LOSSES
dc.subjectPRIVATE PENSION
dc.subjectPRIVATE PENSION FUND
dc.subjectPRIVATE PENSION FUNDS
dc.subjectPRIVATE PENSIONS
dc.subjectPROBABILITY
dc.subjectPUBLIC PENSIONS
dc.subjectPURCHASES
dc.subjectQUESTIONNAIRE
dc.subjectQUESTIONNAIRES
dc.subjectREAL ESTATE
dc.subjectREGULATORY STRUCTURES
dc.subjectREPUTATION
dc.subjectRESPONSIBILITIES
dc.subjectRETIRED
dc.subjectRETIREMENT
dc.subjectRETURNS
dc.subjectSALE
dc.subjectSAVER
dc.subjectSAVINGS
dc.subjectSECURITIES
dc.subjectSOCIAL DEVELOPMENT
dc.subjectSTATE PENSIONS
dc.subjectSTOCKS
dc.subjectSUPERVISORY AGENCIES
dc.subjectTAX
dc.subjectTRAINING COURSE
dc.subjectTRAINING COURSES
dc.subjectUNEMPLOYED
dc.subjectUNEXPECTED EXPENSES
dc.subjectUNFAIR BUSINESS PRACTICES
dc.subjectUNREALISTIC EXPECTATIONS
dc.subjectURBAN AREAS
dc.subjectVALUE OF ASSETS
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.subjectWORLD ECONOMY
dc.subjectYOUNG PEOPLE
dc.titleAnalysis of the Financial Literacy Survey in Romania and Recommendations

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