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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Research

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

Region or Economy Strength of legal rights index (0-10)Depth of credit information index (0-6)Public registry coverage (% of adults)Private bureau coverage (% of adults)
Middle East & North Africa3.33.35.010.9
Sub-Saharan Africa4.61.52.44.5
South Asia5.32.10.83.3
Latin America & Caribbean5.53.310.033.2
East Asia & Pacific5.71.97.214.4
Eastern Europe & Central Asia6.64.09.719.4
OECD6.84.98.859.6
Palau000.00.0
West Bank and Gaza036.50.0
Bolivia1611.633.9
Djibouti110.20.0
Syrian Arab Republic100.00.0
Timor-Leste100.00.0
Belarus2523.40.0
Bhutan200.00.0
Burundi210.20.0
Cape Verde2223.00.0
Eritrea200.00.0
Madagascar210.10.0
Mozambique242.30.0
Uzbekistan232.62.1
Venezuela, R.B.200.00.0
Yemen, Rep.220.20.0
Algeria320.20.0
Benin3110.90.0
Brazil3523.759.2
Burkina Faso311.90.0
Cameroon321.80.0
Central African Republic322.10.0
Chad310.20.0
Comoros300.00.0
Congo, Dem. Rep.300.00.0
Congo, Rep.323.00.0
Côte d'Ivoire312.70.0
Dominican Republic3629.746.1
Ecuador3537.246.0
Egypt, Arab Rep.362.58.2
Equatorial Guinea323.00.0
Gabon323.90.0
Greece350.046.9
Guinea300.00.0
Guinea-Bissau311.10.0
Haiti320.70.0
Indonesia3422.00.0
Iraq300.00.0
Italy3512.277.5
Lebanon358.30.0
Mali314.00.0
Mauritania310.20.0
Morocco350.014.0
Nicaragua3516.028.4
Niger310.90.0
Paraguay3610.947.4
Philippines330.06.1
Portugal3581.316.4
Qatar320.00.0
Russian Federation350.014.3
São Tomé and Principe300.00.0
Senegal314.40.0
Solomon Islands300.00.0
Tajikistan300.00.0
Togo312.70.0
Tunisia3519.90.0
Angola442.50.0
Argentina4634.3100.0
Bahrain440.034.9
Chile4532.933.9
Ethiopia420.10.0
Guyana400.00.0
Iran, Islamic Rep.4331.30.0
Jordan421.00.0
Kuwait440.030.4
Lao PDR400.00.0
Liberia410.30.0
Maldives400.00.0
Marshall Islands400.00.0
Mexico460.077.5
Oman4217.00.0
Saudi Arabia460.017.9
Seychelles400.00.0
Sri Lanka450.014.3
Taiwan, China450.063.2
Thailand450.032.9
Turkey4515.942.9
United Arab Emirates457.312.6
Bosnia and Herzegovina5523.264.3
Colombia550.060.5
Costa Rica5524.356.0
El Salvador5621.094.6
Gambia, the500.00.0
Kazakhstan560.029.5
Kiribati500.00.0
Lithuania5612.118.4
Mauritius5336.80.0
Nepal520.00.3
Papua New Guinea500.00.0
Sudan500.00.0
Suriname500.00.0
Sweden540.0100.0
Uruguay5617.897.2
Afghanistan600.00.0
Armenia654.434.5
Canada660.0100.0
China6462.10.0
Croatia640.077.0
Czech Republic654.973.1
Estonia650.020.6
Georgia660.012.2
Honduras6621.758.7
Mongolia6322.20.0
Netherlands650.083.5
Pakistan645.61.5
Panama660.045.9
Samoa600.00.0
Sierra Leone600.00.0
Slovenia622.70.0
Spain6545.37.6
Swaziland650.042.3
Antigua and Barbuda700.00.0
Austria761.439.2
Bangladesh720.90.0
Belgium7456.50.0
Botswana740.051.9
Brunei Darussalam700.00.0
Fiji740.048.6
Finland750.014.7
France7432.50.0
Germany760.898.3
Ghana700.00.0
Hungary750.010.3
Iceland750.0100.0
Japan760.076.2
Korea, Rep.760.093.8
Lesotho700.00.0
Luxembourg700.00.0
Macedonia, FYR7428.10.0
Micronesia, Fed. Sts.700.00.0
Norway740.0100.0
Peru7623.031.8
Puerto Rico750.073.8
Tonga700.00.0
Uganda700.00.0
Zimbabwe700.00.0
Azerbaijan856.90.0
Belize800.00.0
Bulgaria8634.86.2
Cambodia800.00.0
Grenada800.00.0
Guatemala8616.928.4
India840.010.2
Ireland850.0100.0
Jamaica800.00.0
Kosovo8318.90.0
Malawi800.00.0
Moldova800.00.0
Namibia850.057.7
Nigeria800.00.0
Romania855.730.2
Rwanda820.40.0
Serbia860.094.2
St. Kitts and Nevis800.00.0
St. Lucia800.00.0
St. Vincent and the Grenadines800.00.0
Switzerland850.022.5
Tanzania800.00.0
Trinidad and Tobago840.041.7
United States860.0100.0
Vietnam8419.00.0
Albania949.90.0
Australia950.0100.0
Bahamas, the900.00.0
Cyprus900.00.0
Denmark940.05.2
Dominica900.00.0
Israel950.089.8
Latvia9546.50.0
Montenegro9227.60.0
New Zealand950.0100.0
Poland940.068.3
Slovak Republic941.444.0
South Africa960.054.7
Ukraine930.03.0
United Kingdom960.0100.0
Vanuatu900.00.0
Zambia930.00.4
Hong Kong, China1040.071.9
Kenya1040.02.3
Kyrgyz Republic1030.05.9
Malaysia10648.582.0
Singapore1040.040.3