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Financial literacy has grown as a result of the increasing complexity of financial products and services and
concerns that many people do not have the necessary financial skills to make informed choices.
The concept of Financial Literacy, is essentially spreading the knowledge of good money management
practices. It encompasses all monetary transactions that a person enters into such as earning, spending,
saving, borrowing and investing. Financial literacy is a process of making meaning of, and understanding,
financial issues and situations. It requires: