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 EconomyLegal Rights IndexCredit Information IndexPublic registry coverage (% adults)Private bureau coverage (% adults)
East Asia & Pacific4.51.95.510.8
Eastern Europe & Central Asia5.63.42.415.4
Latin America & Caribbean4.13.48.132.1
Middle East & North Africa3.72.63.68.1
OECD6.44.88.659.3
South Asia3.91.90.71.9
Sub-Saharan Africa4.01.32.14.5
Afghanistan000.00.0
Albania900.00.0
Algeria320.20.0
Angola342.30.0
Antigua and Barbuda400.00.0
Argentina3625.5100.0
Armenia552.813.5
Australia950.0100.0
Austria561.340.6
Azerbaijan741.40.0
Bangladesh720.70.0
Belarus231.10.0
Belgium5457.20.0
Belize700.00.0
Benin417.80.0
Bhutan300.00.0
Bolivia1512.122.6
Bosnia and Herzegovina750.063.7
Botswana740.058.3
Brazil2517.146.4
Brunei600.00.0
Bulgaria6625.43.0
Burkina Faso412.10.0
Burundi110.20.0
Cambodia000.00.0
Cameroon321.00.0
Canada760.0100.0
Cape Verde5320.30.0
Central African Republic321.40.0
Chad310.20.0
Chile4526.233.5
China3449.20.0
Colombia250.039.9
Comoros300.00.0
Congo, Dem. Rep.300.00.0
Congo, Rep.322.40.0
Costa Rica456.152.7
Côte d'Ivoire312.80.0
Croatia630.072.4
Czech Republic654.253.0
Denmark840.011.5
Djibouti310.20.0
Dominica600.00.0
Dominican Republic4613.335.4
Ecuador1537.944.1
Egypt141.6not available
El Salvador3617.274.6
Equatorial Guinea221.90.0
Eritrea300.00.0
Estonia450.019.7
Ethiopia420.10.0
Fiji540.041.2
Finland650.014.9
France6424.80.0
Gabon322.40.0
Gambia400.00.0
Georgia540.00.2
Germany860.798.1
Ghana500.00.0
Greece340.038.7
Grenada600.00.0
Guatemala3520.713.1
Guinea400.00.0
Guinea-Bissau310.90.0
Guyana300.00.0
Haiti320.70.0
Honduras6612.758.0
Hong Kong, China1050.064.7
Hungary650.06.9
Iceland750.0100.0
India640.010.8
Indonesia5320.50.2
Iran5322.20.0
Iraq400.00.0
Ireland850.0100.0
Israel850.091.6
Italy3511.071.5
Jamaica500.00.0
Japan660.068.3
Jordan520.80.0
Kazakhstan540.013.7
Kenya840.01.5
Kiribati300.00.0
Korea550.074.2
Kuwait440.014.5
Kyrgyz Republic530.01.6
Lao PDR200.00.0
Latvia842.60.0
Lebanon454.70.0
Lesotho500.00.0
Liberia400.00.0
Lithuania466.67.3
Luxembourg600.00.0
Macedonia, FYR634.00.0
Madagascar100.10.0
Malawi700.00.0
Malaysia8644.5not available
Maldives400.00.0
Mali312.50.0
Marshall Islands200.00.0
Mauritania410.20.0
Mauritius5138.60.0
Mexico360.061.2
Micronesia700.00.0
Moldova600.00.0
Mongolia539.50.0
Montenegro700.00.0
Morocco312.30.0
Mozambique330.90.0
Namibia550.059.9
Nepal420.00.2
Netherlands750.078.1
New Zealand950.0100.0
Nicaragua3514.8100.0
Niger311.00.0
Nigeria700.00.0
Norway640.0100.0
Oman4212.40.0
Pakistan444.61.4
Palau200.00.0
Panama660.041.6
Papua New Guinea500.00.0
Paraguay3611.048.7
Peru4620.733.0
Philippines330.05.5
Poland440.051.5
Portugal4467.111.3
Puerto Rico650.062.0
Romania754.110.9
Russia340.04.4
Rwanda120.20.0
Samoa400.00.0
São Tomé and Principe500.00.0
Saudi Arabia360.023.5
Senegal314.00.0
Serbia750.151.3
Seychelles300.00.0
Sierra Leone500.00.0
Singapore940.042.7
Slovakia941.256.0
Slovenia622.50.0
Solomon Islands400.00.0
South Africa560.052.1
Spain6644.98.3
Sri Lanka330.02.9
St. Kitts and Nevis500.00.0
St. Lucia600.00.0
St. Vincent and the Grenadines700.00.0
Sudan400.00.0
Suriname400.00.0
Swaziland550.037.6
Sweden640.0100.0
Switzerland650.024.0
Syria300.00.0
Taiwan, China450.067.1
Tajikistan400.00.0
Tanzania500.00.0
Thailand550.027.9
Timor-Leste200.00.0
Togo312.70.0
Tonga300.00.0
Trinidad and Tobago540.034.4
Tunisia2413.70.0
Turkey3510.32.7
Uganda300.00.0
Ukraine800.00.0
United Arab Emirates321.40.0
United Kingdom1060.084.6
United States760.0100.0
Uruguay5614.193.8
Uzbekistan200.00.0
Vanuatu400.00.0
Venezuela400.00.0
Vietnam639.20.0
West Bank and Gaza531.80.0
Yemen300.10.0
Zambia600.00.0
Zimbabwe600.00.0