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How Laws and Institutions Shape Financial Contracts: The Case of Bank Loans

National financial literacy surveys are clearly important tools, but the potential gain from a survey undertaken across a number of countries is much greater. Such an international study provides the opportunity to compare levels of financial literacy and progress across populations and financial markets, and is of huge interest to policy makers and other stakeholders seeking to understand why one country appears to be achieving more than another and which interventions are most effective. The OECD International Network on Financial Education (INFE) agreed to address the lack of internationally comparable data through the design and testing of a purpose.