{"id":95244,"date":"2022-02-09T16:17:04","date_gmt":"2022-02-09T15:17:04","guid":{"rendered":"https:\/\/umoatitres.com\/leducation-financiere-des-populations-en-zone-uemoa-un-levier-important-pour-booster-lepargne-publique\/"},"modified":"2026-08-19T18:40:26","modified_gmt":"2026-08-19T16:40:26","slug":"financial-education-for-populations-in-the-waemu-region-a-key-lever-for-boosting-public-savings","status":"publish","type":"post","link":"https:\/\/umoatitres.com\/en\/financial-education-for-populations-in-the-waemu-region-a-key-lever-for-boosting-public-savings\/","title":{"rendered":"FINANCIAL EDUCATION FOR POPULATIONS IN THE WAEMU REGION: A KEY LEVER FOR BOOSTING PUBLIC SAVINGS"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.larousse.fr\/dictionnaires\/francais\/%C3%A9pargne\/30242\">Savings<\/a><\/span> <span style=\"font-weight: 400;\">and <a href=\"https:\/\/www.larousse.fr\/dictionnaires\/francais\/investissement\/44113\">investment<\/a><\/span> <span style=\"font-weight: 400;\">are important elements both for the financial well-being of individuals and for the economic growth of a State. In many countries, governments seek to encourage citizens to save more \u2014 or better \u2014 to promote formal savings mechanisms over informal savings and to support greater diversification of investments. However, limited access to financial markets for certain groups, the complexity of financial products and information asymmetry all constitute significant obstacles to saving.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In addition, limited knowledge and poor understanding of savings and investment concepts, combined with behavioural and cultural factors, may reduce households\u2019 propensity to save.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Against this backdrop, public authorities have developed various strategies to encourage saving among the population.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">These strategies generally combine <\/span><b>prudential regulation and consumer protection legislation<\/b><span style=\"font-weight: 400;\">, as well as <\/span><b>financial incentives<\/b><span style=\"font-weight: 400;\">, <\/span><b>financial education programmes<\/b><span style=\"font-weight: 400;\"> and <\/span><b>awareness campaigns<\/b><span style=\"font-weight: 400;\">, designed to encourage individuals to make informed savings decisions.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This article presents the key points illustrating why <\/span><b>financial education<\/b><span style=\"font-weight: 400;\"> is an important lever for boosting <\/span><b>public savings<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>THE CURRENT STATE OF FINANCIAL EDUCATION IN THE WAEMU REGION<\/b><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">As defined by the <\/span><b><a href=\"https:\/\/www.oecd.org\/fr\/apropos\/\">OECD<\/a><\/b> <b>Council in June 2005<\/b><span style=\"font-weight: 400;\">, financial education is the process through which consumers and investors improve their understanding of financial products, concepts and risks, and acquire \u2014 through information, instruction or objective advice \u2014 the skills and confidence needed to become more aware of financial risks.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The broader concept extends financial education to the population as a whole and includes cultural and less practical dimensions, namely understanding the economic and financial environment in which people live.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Although some initiatives have been launched in the field of financial education, the situation in the <\/span><b>WAEMU region<\/b><span style=\"font-weight: 400;\"> highlights the following realities:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">a <\/span><b>low literacy rate<\/b><span style=\"font-weight: 400;\">, associated with a low level of financial knowledge. In the WAEMU area, adult literacy stands at <\/span><b>44%<\/b><span style=\"font-weight: 400;\">. This figure reflects both rural and urban populations, many of whom have low or no literacy;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">the absence of a <\/span><b>coherent coordination framework<\/b><span style=\"font-weight: 400;\"> for financial education initiatives. In most countries, several institutions provide financial education in isolation. Collectively, these include state bodies in charge of financial inclusion, professional associations in the decentralised financial system, public implementation entities, specialised NGOs and consumer protection associations;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">a lack of <\/span><b>technical expertise<\/b><span style=\"font-weight: 400;\">: the WAEMU region does not yet have enough experts or trainers to address the financial education challenge, especially for low-income populations;<\/span><\/li>\n\n\n\n<li><b>insufficient financial resources<\/b><span style=\"font-weight: 400;\"> to undertake financial education initiatives: financial education is not yet clearly defined in the public policies of the Union\u2019s Member States.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>HOW FINANCIAL EDUCATION CAN IMPACT PUBLIC SAVINGS<\/b><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Financial education can make a major contribution to improving public savings. In order to better mobilise savings and channel them more effectively towards the development of the <\/span><b>WAEMU economy<\/b><span style=\"font-weight: 400;\">, providing financial education to populations is a necessary precondition.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This is, moreover, one of the missions of <\/span><b><a href=\"https:\/\/soaga.net\/\">SOAGA<\/a><\/b> <b>(West African Asset Management Company)<\/b><span style=\"font-weight: 400;\">, the first regional financial institution specialising in asset management, created by the <\/span><b>West African Development Bank (BOAD)<\/b><span style=\"font-weight: 400;\">. In the fifth issue of our web magazine <\/span><b><a href=\"https:\/\/umoatitres.com\/en\/la-tendance-market-trends\/\" data-type=\"page\" data-id=\"94093\">LA TENDANCE<\/a><\/b><span style=\"font-weight: 400;\">, <\/span><b>Mr Jean Fran\u00e7ois BROU<\/b><span style=\"font-weight: 400;\">, Chief Executive Officer of SOAGA, provides an analysis of this issue.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">According to <\/span><b>Mr Jean Fran\u00e7ois BROU<\/b><span style=\"font-weight: 400;\">, SOAGA firmly believes that public savings management is a major issue for the economic and financial stability of States in the WAEMU region. Financial concepts must therefore be explained in a <\/span><b>multidimensional language<\/b><span style=\"font-weight: 400;\">, adapted to each person\u2019s level of understanding, in order to encourage stronger engagement from populations. The goal is to make information accessible to as many people as possible, thereby enabling them to make better decisions.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The existence of major obstacles to saving \u2014 such as limited knowledge and understanding of savings concepts \u2014 shows that financial incentives and financial education programmes can undoubtedly help improve the mobilisation of savings and make better use of those resources for the development of our economic area.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>WHAT ACTIONS CAN HELP BOOST FINANCIAL EDUCATION IN THE WAEMU REGION?<\/b><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Judging by the current situation, although the <\/span><b>WAEMU region<\/b><span style=\"font-weight: 400;\"> has made progress in improving access to financial services in recent years, additional measures still need to be taken in order to improve the population\u2019s level of financial knowledge.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">According to the <\/span><b>BCEAO<\/b><span style=\"font-weight: 400;\">, in its <\/span><b>Regional Financial Education Programme in WAEMU<\/b><span style=\"font-weight: 400;\">, these actions should include in particular:<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Integrating financial education into primary, secondary and university curricula<\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This would involve the following actions:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">designing <\/span><b>financial education courses<\/b><span style=\"font-weight: 400;\"> to be taught. This includes developing the curriculum content to be delivered to students. In this context, the <\/span><b>BCEAO<\/b><span style=\"font-weight: 400;\"> may cooperate with countries to implement this through the <\/span><b><a href=\"https:\/\/apif.finances.gouv.ci\/publications\/139-comite-national-de-suivi-et-de-mise-en-oeuvre-des-strategies-d-inclusion-financiere-cnsmo-bilan-2020-et-perspectives-2021\">CNSMO\u00b9<\/a><\/b><span style=\"font-weight: 400;\"><a href=\"https:\/\/apif.finances.gouv.ci\/publications\/139-comite-national-de-suivi-et-de-mise-en-oeuvre-des-strategies-d-inclusion-financiere-cnsmo-bilan-2020-et-perspectives-2021\"> <\/a>and the <\/span><b>Financial Education Working Group<\/b><span style=\"font-weight: 400;\">, by recruiting consultants;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">integrating financial education courses into school curricula. The technical and financial responsibility for such integration would lie with each Member State of the Union. To do so, States may establish partnerships and seek technical and financial assistance to implement and monitor this activity.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Training national education and higher education stakeholders in financial education<\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The activities carried out under this action include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">developing <\/span><b>teaching tools (manuals)<\/b><span style=\"font-weight: 400;\"> for financial education. These manuals would be intended for both teachers and learners;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">training staff in financial education courses and tools. This refers to the training structures responsible for preparing teachers in line with financial education standards and manuals. The responsibilities of the <\/span><b><a href=\"https:\/\/apif.finances.gouv.ci\/publications\/139-comite-national-de-suivi-et-de-mise-en-oeuvre-des-strategies-d-inclusion-financiere-cnsmo-bilan-2020-et-perspectives-2021\">CNSMO <\/a>(National Committees for Monitoring and Implementation)<\/b><span style=\"font-weight: 400;\"> and the Working Group include ensuring the technical implementation of these various train-the-trainer programmes. In this regard, they must define the required profiles and identify the structures likely to benefit from such training.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Organising financial education awareness initiatives in schools and universities<\/b><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Carrying out this action would likely require:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">organising meetings between <\/span><b>finance professionals<\/b><span style=\"font-weight: 400;\">;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">organising exchanges between <\/span><b>financial services consumers<\/b><span style=\"font-weight: 400;\"> and learners in schools and universities.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This action would be implemented under the technical and financial responsibility of each country. Indeed, countries may draw on global, regional or national events as opportunities to bring together finance professionals, financial consumer organisations and learners from schools and universities.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">To learn more about <\/span><b>financial education for populations in the WAEMU region<\/b><span style=\"font-weight: 400;\">, continue reading by downloading the <\/span><b>fifth issue of LA TENDANCE <a href=\"https:\/\/umoatitres.com\/en\/la-tendance-market-trends\/\" data-type=\"page\" data-id=\"94093\">here<\/a><\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.latendance.umoatitres.org\/\"><img decoding=\"async\" src=\"https:\/\/umoatitres.com\/wp-content\/uploads\/2026\/05\/POST-Webzine-LA-TENDANCE-5-v3-300x157-1.png\" alt=\"\" class=\"wp-image-28579\"\/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><b>CNSMO\u00b9:<\/b><span style=\"font-weight: 400;\"> The <\/span><b>National Committee for Monitoring and Implementation (CNSMO)<\/b><span style=\"font-weight: 400;\"> of the <\/span><b>Regional Financial Inclusion Strategy in WAEMU<\/b><span style=\"font-weight: 400;\"> is responsible for monitoring the implementation of the roadmap and has been established in each Member State of the Union. Its mission is to ensure coordination and synergy between actions identified under the Projects and those carried out at the level of each Member State of the Union.<\/span><\/p>\n\n\n<p><!-- \/wp:post-content --><\/p>","protected":false},"excerpt":{"rendered":"<p>Savings and investment are important elements both for the financial well-being of individuals and for the economic growth of a State. In many countries, governments seek to encourage citizens to save more \u2014 or better \u2014 to promote formal savings mechanisms over informal savings and to support greater diversification of investments. However, limited access to [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":95245,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[335],"tags":[],"class_list":["post-95244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FINANCIAL EDUCATION FOR POPULATIONS IN THE WAEMU REGION: A KEY LEVER FOR BOOSTING PUBLIC SAVINGS | UMOA-Titres<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FINANCIAL EDUCATION FOR POPULATIONS IN THE WAEMU REGION: A KEY LEVER FOR BOOSTING PUBLIC SAVINGS | UMOA-Titres\" \/>\n<meta property=\"og:description\" content=\"Savings and investment are important elements both for the financial well-being of individuals and for the economic growth of a State. 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