Getting Credit in Mauritius

This section measures the legal rights of borrowers and lenders and the sharing of credit information in Mauritius It explores how well collateral and bankruptcy laws facilitate lending as well as the coverage, scope, quality, and accessibility of credit information available through public and private registries.

The country data appearing on this page was collected as part of the Doing Business project, which measures and compares regulations relevant to the life cycle of a small- to medium-sized domestic business in 183 economies. The most recent round of data collection for the project was completed in June 2009.

The table below includes the following information on getting credit:

  • The Depth of Credit Information Index, which measures rules affecting the scope, accessibility and quality of credit information available through either public or private credit registries. The index ranges from 0 to 6, with higher values indicating the availability of more credit information, from either a public registry or a private bureau, to facilitate lending decisions.
  • The percentage of individuals and firms listed by either a public or private credit bureau with information on repayment history, unpaid debts, or credit outstanding from the past 5 years.
  • The Strength of Legal Rights Index, which measures the degree to which collateral and bankruptcy laws protect the rights of borrowers and lenders and thus facilitate lending. The index ranges from 0 to 10, with higher scores indicating that collateral and bankruptcy laws are better designed to expand access to credit.

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Getting Credit IndicatorsIndicator
Depth of credit information index (0-6)Private credit bureauPublic credit registry3
Are data on both firms and individuals distributed?NoYes1
Are both positive and negative data distributed?NoNo0
Does the registry distribute credit information from retailers, trade creditors or utility companies as well as financial institutions?NoNo0
Are more than 2 years of historical credit information distributed?NoNo0
Is data on all loans below 1% of income per capita distributed?NoYes1
Is it guaranteed by law that borrowers can inspect their data in the largest credit registry?NoYes1
Coverage0.036.8 
Number of individuals0338,391 
Number of firms018,860 
Strength of legal rights index (0-10)5
Can any business use movable assets as collateral while keeping possession of the assets; and any financial institution accept such assets as collateral ?No
Does the law allow businesses to grant a non possessory security right in a single category of revolving movable assets, without requiring a specific description of the secured assets ?Yes
Does the law allow businesses to grant a non possessory security right in substantially all of its assets, without requiring a specific description of the secured assets ?Yes
May a security right extend to future or after-acquired assets, and may it extend automatically to the products, proceeds or replacements of the original assets ?No
Is a general description of debts and obligations permitted in collateral agreements, so that all types of obligations and debts can be secured by stating a maximum amount rather than a specific amount between the parties ?Yes
Is a collateral registry in operation, that is unified geographically and by asset type, as well as indexed by the grantor's name of a security right ?Yes
Do secured creditors have absolute priority to their collateral outside bankruptcy procedures?No
Do secured creditors have absolute priority to their collateral in bankruptcy procedures?No
During reorganization, are secured creditors' claims exempt from an automatic stay on enforcement?Yes
Does the law authorize parties to agree on out of court enforcement?No