在撒哈拉以南非洲地区，仅有34%的成年人拥有银行户头，这种状况为人们储蓄资金以备不时之需带来了困难，比如遇到农作物歉收或者为了积攒学费的需要。
In Sub-Saharan Africa, just 34% of adults have a bank account, making it difficult for people to put money aside for unplanned events, like a bad harvest, or to save for school.