ACRONYMS AND ABBREVIATIONS

AFI Alliance for Financial Inclusion BoZ Bank of Zambia CEMCWG Consumer Empowerment and Market Conduct Sub-Working Group FDP Forcibly Displaced Persons FE Financial Education IDP Internally Displaced Persons IVR Interactive Voice Response M&E Monitoring and Evaluation MSME Micro, Small and Medium-sized Enterprises NFES National Strategy for Financial Education OECD/INFE Organization for Economic Co-operation and Development/ International Network for Financial Education OVC Orphans and Vulnerable children RBM Reserve Bank of Malawi PWD Persons with Disabilities RMA Royal Monetary Authority TOT Training-of-Trainers UNHCR United Nations High Commissioner for Refugees UNCDF United Nations Capital Development Fund YSO Youth-Serving Organization G&A General and administrative GhIPSS Ghana Interbank Payment and Settlement Systems GHS Ghanaian Cedi