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.

Export to Excel | Local partners | Methodology

View Topic Details

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