Getting Credit

This topic explores two sets of issues—credit information registries and the effectiveness of collateral and bankruptcy laws in facilitating lending.

The table below shows the main indicators, which include:

a Legal Rights Index, which measures the degree to which collateral and bankruptcy laws facilitate lending,
a Credit Information Index, which measures rules affecting the scope, access, and quality of credit information,
public credit registry coverage, and
private credit bureau coverage.

To see the details for a specific economy, use the dropdown box on the right or click on the links below. Click on column headers to sort data.

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Private Credit in 129 Countries (PDF, 238KB), by Djankov, McLiesh and Shleifer, Journal of Financial Economics, May 2007.

Region or Economy	Legal Rights Index	Credit Information Index	Public registry coverage (% adults)	Private bureau coverage (% adults)
East Asia & Pacific	5.8	2.0	7.2	11.3
Eastern Europe & Central Asia	6.3	4.1	4.6	17.6
Latin America & Caribbean	5.6	3.3	8.7	33.1
Middle East & North Africa	3.3	2.9	4.8	9.7
OECD	6.8	4.8	8.4	58.4
South Asia	4.8	2.1	0.7	2.6
Sub-Saharan Africa	4.5	1.4	2.5	4.8
Afghanistan	1	0	0.0	0.0
Albania	9	4	8.3	0.0
Algeria	3	2	0.2	0.0
Angola	4	4	2.7	0.0
Antigua and Barbuda	7	0	0.0	0.0
Argentina	4	6	31.2	100.0
Armenia	7	5	2.6	24.4
Australia	9	5	0.0	100.0
Austria	7	6	1.3	40.9
Azerbaijan	8	5	3.1	0.0
Bahamas, the	9	0	0.0	0.0
Bahrain	4	4	0.0	35.8
Bangladesh	8	2	0.9	0.0
Belarus	2	5	2.4	0.0
Belgium	7	4	57.7	0.0
Belize	8	0	0.0	0.0
Benin	3	1	10.5	0.0
Bhutan	2	0	0.0	0.0
Bolivia	1	6	11.9	29.7
Bosnia and Herzegovina	5	5	0.0	69.2
Botswana	7	4	0.0	52.9
Brazil	3	5	20.2	62.2
Brunei	7	0	0.0	0.0
Bulgaria	8	6	30.7	5.0
Burkina Faso	3	1	1.9	0.0
Burundi	2	1	0.3	0.0
Cambodia	9	0	0.0	0.0
Cameroon	3	2	4.9	0.0
Canada	6	6	0.0	100.0
Cape Verde	3	3	21.8	0.0
Central African Republic	3	2	1.2	0.0
Chad	3	1	0.6	0.0
Chile	4	5	28.1	34.5
China	6	4	58.8	0.0
Colombia	5	5	0.0	42.5
Comoros	3	0	0.0	0.0
Congo, Dem. Rep.	3	0	0.0	0.0
Congo, Rep.	3	2	6.9	0.0
Costa Rica	5	5	5.9	51.6
Côte d'Ivoire	3	1	2.9	0.0
Croatia	6	3	0.0	71.8
Czech Republic	6	5	4.6	65.2
Denmark	9	4	0.0	5.0
Djibouti	1	1	0.2	0.0
Dominica	9	0	0.0	0.0
Dominican Republic	3	6	33.9	35.0
Ecuador	3	5	37.7	46.8
Egypt	3	5	2.2	4.7
El Salvador	5	6	18.4	83.0
Equatorial Guinea	3	2	2.7	0.0
Eritrea	2	0	0.0	0.0
Estonia	6	5	0.0	20.6
Ethiopia	4	2	0.1	0.0
Fiji	9	4	0.0	42.3
Finland	7	5	0.0	14.8
France	7	4	28.3	0.0
Gabon	3	2	20.7	0.0
Gambia, the	5	0	0.0	0.0
Georgia	6	6	0.0	4.5
Germany	7	6	0.7	98.4
Ghana	7	0	0.0	0.0
Greece	3	4	0.0	39.0
Grenada	9	0	0.0	0.0
Guatemala	7	5	16.1	19.7
Guinea	3	0	0.0	0.0
Guinea-Bissau	3	1	1.0	0.0
Guyana	4	0	0.0	0.0
Haiti	2	2	0.7	0.0
Honduras	6	6	11.3	60.5
Hong Kong, China	10	5	0.0	69.9
Hungary	7	5	0.0	10.0
Iceland	7	5	0.0	100.0
India	8	4	0.0	10.5
Indonesia	3	4	26.1	0.0
Iran	5	3	21.7	0.0
Iraq	3	0	0.0	0.0
Ireland	8	5	0.0	100.0
Israel	9	5	0.0	91.0
Italy	3	5	11.8	74.9
Jamaica	8	0	0.0	0.0
Japan	7	6	0.0	76.2
Jordan	4	2	1.0	0.0
Kazakhstan	5	6	0.0	25.6
Kenya	10	4	0.0	2.1
Kiribati	5	0	0.0	0.0
Korea	7	6	0.0	90.4
Kuwait	4	4	0.0	31.2
Kyrgyz Republic	7	5	0.0	3.7
Lao PDR	4	0	0.0	0.0
Latvia	9	4	3.7	0.0
Lebanon	3	5	6.8	0.0
Lesotho	8	0	0.0	0.0
Liberia	4	1	0.3	0.0
Lithuania	5	6	8.9	7.2
Luxembourg	7	0	0.0	0.0
Macedonia, FYR	7	4	6.5	0.0
Madagascar	2	0	0.1	0.0
Malawi	8	0	0.0	0.0
Malaysia	10	6	52.9	not available
Maldives	4	0	0.0	0.0
Mali	3	1	4.1	0.0
Marshall Islands	4	0	0.0	0.0
Mauritania	3	1	0.2	0.0
Mauritius	5	3	20.6	0.0
Mexico	4	6	0.0	70.8
Micronesia	7	0	0.0	0.0
Moldova	8	0	0.0	0.0
Mongolia	6	3	22.7	0.0
Montenegro	9	2	26.3	0.0
Morocco	3	2	2.4	0.0
Mozambique	2	4	1.9	0.0
Namibia	8	5	0.0	59.6
Nepal	5	2	0.0	0.2
Netherlands	6	5	0.0	81.0
New Zealand	9	5	0.0	100.0
Nicaragua	3	5	13.4	100.0
Niger	3	1	0.9	0.0
Nigeria	8	0	0.1	0.0
Norway	7	4	0.0	100.0
Oman	4	2	23.4	0.0
Pakistan	6	4	4.9	1.5
Palau	0	0	0.0	0.0
Panama	6	6	0.0	43.7
Papua New Guinea	5	0	0.0	0.0
Paraguay	3	6	9.7	48.6
Peru	7	6	23.7	33.2
Philippines	3	3	0.0	5.4
Poland	8	4	0.0	50.0
Portugal	3	4	76.4	11.3
Puerto Rico	8	5	0.0	61.4
Qatar	3	2	not available	0.0
Romania	8	5	4.5	24.7
Russian Federation	3	4	0.0	10.0
Rwanda	2	2	0.3	0.0
Samoa	6	0	0.0	0.0
São Tomé and Principe	3	0	0.0	0.0
Saudi Arabia	4	6	0.0	14.1
Senegal	3	1	4.4	0.0
Serbia	7	5	0.0	91.9
Seychelles	3	0	0.0	0.0
Sierra Leone	4	0	0.0	0.0
Singapore	10	4	0.0	48.3
Slovakia	9	4	1.4	39.9
Slovenia	6	2	2.7	0.0
Solomon Islands	4	0	0.0	0.0
South Africa	9	6	0.0	64.8
Spain	6	5	45.8	8.1
Sri Lanka	4	5	0.0	8.7
St. Kitts and Nevis	8	0	0.0	0.0
St. Lucia	8	0	0.0	0.0
St. Vincent and the Grenadines	8	0	0.0	0.0
Sudan	5	0	0.0	0.0
Suriname	5	0	0.0	0.0
Swaziland	6	5	0.0	43.5
Sweden	5	4	0.0	100.0
Switzerland	8	5	0.0	22.5
Syria	1	0	0.0	0.0
Taiwan, China	4	5	0.0	62.7
Tajikistan	2	0	0.0	0.0
Tanzania	8	0	0.0	0.0
Thailand	4	5	0.0	31.8
Timor-Leste	1	0	0.0	0.0
Togo	3	1	2.6	0.0
Tonga	7	0	0.0	0.0
Trinidad and Tobago	8	4	0.0	37.6
Tunisia	3	5	14.9	0.0
Turkey	4	5	12.7	26.3
Uganda	7	0	0.0	0.0
Ukraine	9	3	0.0	3.0
United Arab Emirates	4	5	6.5	7.7
United Kingdom	9	6	0.0	100.0
United States	8	6	0.0	100.0
Uruguay	5	6	15.4	98.0
Uzbekistan	3	3	2.3	2.2
Vanuatu	8	0	0.0	0.0
Venezuela	3	0	0.0	0.0
Vietnam	7	4	13.4	0.0
West Bank and Gaza	0	3	7.8	0.0
Yemen	2	0	0.1	0.0
Zambia	9	0	0.0	0.1
Zimbabwe	8	0	0.0	0.0

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Getting Credit

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