As noted above, although there are a variety of financial education initiatives, these are often disjointed and are limited to transmitting a few basic concepts, and not necessarily to strengthening the capacities of the users in a comprehensive way (Garcia and others, 2013). The Dominican Republic's National Strategy for Economic and Financial Education stresses the development of financial capacities based on the incorporation of issues that are relevant to the national education system, and the formulation of an institutional governance framework for its implementation. This programme, operated by the National Savings Bank and Financial Services (BANSEFI), provides technical assistance to popular saving and loan institutions to achieve the financial inclusion of rural clients in highly marginalized areas.