Recent work in the tradition of dualistic models shows that in the presence of financial frictions – in this case, financially excluded or credit-constrained consumers existing alongside those that have full access to formal finance – flexibly determined food prices have a critical role to play in influencing the real wages and incomes of the excluded and hence their aggregate demand.
In particular, the consumers must be consulted to understand  2  BIS central bankers’ speeches  their preferences and identify appropriate curriculum and dissemination channels and tools. Therefore, financial education surveys must be conducted to appropriately identify the needs and to set a baseline for program monitoring.