Getting Credit

This topic explores two sets of issues—credit information registries and the effectiveness of collateral and bankruptcy laws in facilitating lending. The most recent round of data collection for the project was completed in June 2012. Read the methodology.

Use the tabs to view Getting Credit data and analysis, reform summaries, frequent questions and related resources. Click on economy name for detailed information. Click on column headers to sort.

About Doing Business

The data and analysis 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 185 economies.

This index measures the degree to which collateral and bankruptcy laws protect the rights of borrowers and lenders and thus facilitate lending.

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Strength of legal rights index (0-10)

This index measures rules and practices affecting the coverage, scope and accessibility of credit information available through either a public credit registry or a private credit bureau.

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Depth of credit information index (0-6)

This indicator reports the number of individuals and firms listed in a public credit registry with information on their borrowing history from the past 5 years.

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Public registry coverage (% of adults)

This indicator reports the number of individuals and firms listed by a private credit bureau with information on their borrowing history from the past 5 years.

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Private bureau coverage (% of adults)
East Asia & Pacific..729.119.2
Eastern Europe & Central Asia..7517.329.8
Latin America & Caribbean..6311.133.8
Middle East & North Africa..348.69.7
OECD high income..7510.267.4
South Asia..632.76.4
Sub-Saharan Africa..624.25.6
Afghanistan154600.00.0
Albania239419.70.0
Algeria129342.30.0
Angola129341.80.0
Antigua and Barbuda104800.00.0
Argentina704637.0100.0
Armenia406620.556.0
Australia41050.0100.0
Austria23761.852.6
Azerbaijan536517.70.0
Bahamas, The83900.00.0
Bahrain129430.023.5
Bangladesh83720.80.0
Barbados83900.00.0
Belarus1043556.20.0
Belgium706489.00.0
Belize129700.00.0
Benin1296110.90.0
Bhutan1293413.50.0
Bolivia1291614.834.7
Bosnia and Herzegovina705536.24.8
Botswana53740.058.9
Brazil1043546.862.2
Brunei Darussalam129700.00.0
Bulgaria408456.30.0
Burkina Faso129611.70.0
Burundi167310.30.0
Cambodia53830.012.1
Cameroon104629.10.0
Canada23760.0100.0
Cape Verde1043519.70.0
Central African Republic104622.40.0
Chad104621.00.0
Chile536537.43.5
China706427.70.0
Colombia70550.072.5
Comoros154600.00.0
Congo, Dem. Rep.176300.00.0
Congo, Rep.104628.30.0
Costa Rica833628.382.8
Côte d'Ivoire129612.90.0
Croatia40750.0100.0
Cyprus53920.06.5
Czech Republic53656.198.7
Denmark23940.07.3
Djibouti180110.20.0
Dominica83900.00.0
Dominican Republic833644.160.0
Ecuador83360.053.5
Egypt, Arab Rep.83364.316.4
El Salvador535626.583.7
Equatorial Guinea104623.90.0
Eritrea180200.00.0
Estonia40750.033.4
Ethiopia104440.10.0
Fiji70730.069.5
Finland40840.018.9
France537442.40.0
Gabon1046253.80.0
Gambia, The159500.00.0
Georgia4960.035.5
Germany23761.3100.0
Ghana23850.05.7
Greece83450.084.0
Grenada104800.00.0
Guatemala128618.08.7
Guinea154600.00.0
Guinea-Bissau129611.10.0
Guyana167400.00.0
Haiti159320.70.0
Honduras128620.732.9
Hong Kong SAR, China41050.089.4
Hungary53740.015.8
Iceland40750.0100.0
India23850.014.9
Indonesia1293436.00.0
Iran, Islamic Rep.834525.931.9
Iraq176300.00.0
Ireland12950.0100.0
Israel12950.0100.0
Italy1043524.1100.0
Jamaica104800.00.0
Japan23760.0100.0
Jordan167221.90.0
Kazakhstan83450.039.3
Kenya121040.04.9
Kiribati159500.00.0
Korea, Rep.12860.0100.0
Kosovo238522.20.0
Kuwait104440.031.0
Kyrgyz Republic121040.024.6
Lao PDR167400.00.0
Latvia410563.80.0
Lebanon1043518.60.0
Lesotho154600.00.0
Liberia104711.10.0
Lithuania535624.481.2
Luxembourg159500.00.0
Macedonia, FYR237634.872.2
Madagascar180200.10.0
Malawi129700.00.0
Malaysia110656.181.8
Maldives167400.00.0
Mali129613.30.0
Malta176300.00.0
Marshall Islands83900.00.0
Mauritania167310.50.0
Mauritius536556.30.0
Mexico40660.099.2
Micronesia, Fed. Sts.129700.00.0
Moldova40840.03.9
Mongolia536558.90.0
Montenegro410525.20.0
Morocco104350.017.2
Mozambique129344.40.0
Namibia40840.063.9
Nepal70730.00.5
Netherlands53650.081.7
New Zealand41050.0100.0
Nicaragua1043510.829.5
Niger129610.80.0
Nigeria23940.14.1
Norway70640.0100.0
Oman834537.30.0
Pakistan70647.22.0
Palau185100.00.0
Panama53560.057.9
Papua New Guinea83540.02.9
Paraguay833616.747.5
Peru237631.242.5
Philippines129430.09.0
Poland4960.076.9
Portugal1043590.722.9
Puerto Rico (U.S.) 12950.081.5
Qatar1044425.20.0
Romania129514.044.9
Russian Federation104350.045.4
Rwanda23760.07.1
Samoa129700.00.0
São Tomé and Príncipe 180200.00.0
Saudi Arabia53560.033.3
Senegal129614.60.0
Serbia40750.0100.0
Seychelles167400.00.0
Sierra Leone83720.70.0
Singapore121040.058.3
Slovak Republic23942.758.5
Slovenia104443.498.9
Solomon Islands83900.00.0
South Africa11060.054.0
Spain536553.313.2
Sri Lanka70550.033.6
St. Kitts and Nevis129700.00.0
St. Lucia104800.00.0
St. Vincent and the Grenadines129700.00.0
Sudan167400.00.0
Suriname159500.00.0
Swaziland53650.047.8
Sweden40840.0100.0
Switzerland23850.026.8
Syrian Arab Republic176124.90.0
Taiwan, China70550.094.1
Tajikistan180200.00.0
Tanzania129700.00.0
Thailand70550.044.1
Timor-Leste159232.00.0
Togo129612.80.0
Tonga83900.00.0
Trinidad and Tobago23940.046.0
Tunisia1043527.80.0
Turkey834523.563.0
Uganda40750.03.7
Ukraine23940.023.3
United Arab Emirates83455.931.7
United Kingdom11060.0100.0
United States4960.0100.0
Uruguay704632.9100.0
Uzbekistan154240.015.7
Vanuatu83900.00.0
Venezuela, RB159140.015.7
Vietnam408437.80.0
West Bank and Gaza159148.10.0
Yemen, Rep.167220.90.0
Zambia12950.05.4
Zimbabwe129700.00.0

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