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