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