Financial Literacy in Ukraine: Adults, 2018-2021
Description
This dataset provides a harmonized, four-table compilation of the National Bank of Ukraine / USAID 2021 financial literacy study for the adult population: (1) the OECD/INFE financial literacy index and its knowledge/behavior/attitude components, broken down by gender, age, income, education, region and settlement type; (2) item-level financial knowledge test results benchmarked against comparison countries and the OECD/INFE sample; (3) financial inclusion, product usage and financial well-being indicators; (4) self-reported planned sources of retirement income. All four tables cover the 2018 and/or 2021 survey waves as available. The dataset supports research on demographic and socio-economic gaps in adult financial literacy in Ukraine, and provides a pre-reform baseline for comparison against later adolescent financial-literacy data collected after the mandatory school subject "Entrepreneurship and Financial Literacy" was introduced in 2025. METHODOLOGY & SOURCES All figures are digitized directly from tables in the source report below and are not estimated or interpolated. Measured using the OECD/INFE questionnaire, administered by personal interview (CAPI) to a nationally representative sample of adults aged 18-79 (n=2040, margin of error +/-2.2%), fieldwork August 2021 (2018 figures are from the preceding wave of the same study, reported in the same publication). Known data-quality issues are flagged rather than silently corrected: one attitude-score cell reproduces an apparent typographical error in the source table (see 00_Dictionary), and two knowledge-item comparison cells are marked NA where the source does not report a figure. Source accessed September 2026: - National Bank of Ukraine / USAID "Financial Sector Transformation" Project (Info Sapiens), Financial Literacy, Financial Inclusion and Financial Well-being in Ukraine in 2021, Kyiv, September 2021: https://bank.gov.ua/admin_uploads/article/Research_Financial_Literacy_Inclusion_Welfare_2021.pdf CONTACT INFORMATION Illia Kyselov, PhD in Law Associate Professor, Department of Law, Bohdan Khmelnytsky Melitopol State Pedagogical University, Zaporizhzhia, Ukraine CMSA (R), FPWMP (R), and BIDA (R) (Corporate Finance Institute) Email: illiakyselov86@gmail.com The author is open to collaboration on Scopus-indexed publications and further research using Ukrainian economic and financial statistics. Inquiries regarding this dataset, potential co-authorship, or data requests are welcome.