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