Many financial institutions and nonprofit organizations offer training and capacity-building programs to help people improve their financial management skills. These courses can help customers understand the importance of savings, for example, or how to compare interest rates and terms between two financial institutions. Courses can cover a range of topics, including understanding financial services at  the enterprise level by educating individuals about maintaining accounting records for their small businesses. The objective of client training and capacity-building programs is to provide people with the knowledge and tools to make informed financial decisions and improve their lives.