FINANCIAL CAPABILITY is the ability to empower people to be able to manage their financial assets and liabilities and better understand the right and responsibilities vis a vis financial institutions. Financial Capability measures need to go hand in hand with responsible, transparent and reliable services provided by financial institutions. For example taking a loan can help you meet your financial goal but only when you carefully consider the responsibilities associated with taking the loan. But many people – especially the illiterate like many market women – find it difficult to access loans. And even if they are given the loans the interest rate on it is often very high so that some cannot pay back the loan. Then the whole purpose of the loan becomes invalid. African governments, schools and financial institutions are therefore making an effort to enhance financial capability among the low income earners in their countries.