Getting Credit

This topic explores two sets of issues—credit information registries and the effectiveness of collateral and bankruptcy laws in facilitating lending.

The 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 2011.

Topic Analysis

Download this year's topic chapter. This material is not included in the Doing Business 2012 report.

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 & Pacific7210.318.1
Eastern Europe & Central Asia7516.229.4
Latin America & Caribbean6310.134.2
Middle East & North Africa348.19.3
OECD high income759.563.9
South Asia631.75.9
Sub-Saharan Africa623.25.0
Afghanistan600.00.0
Albania9412.00.0
Algeria330.30.0
Angola342.40.0
Antigua and Barbuda800.00.0
Argentina4635.9100.0
Armenia6623.746.6
Australia950.0100.0
Austria761.751.6
Azerbaijan6515.60.0
Bahamas, The900.00.0
Bahrain430.040.0
Bangladesh720.60.0
Belarus3549.50.0
Belgium7472.60.0
Belize800.00.0
Benin6110.70.0
Bhutan346.40.0
Bolivia1611.835.9
Bosnia and Herzegovina5535.339.6
Botswana740.059.6
Brazil3536.161.5
Brunei Darussalam700.00.0
Bulgaria8652.828.8
Burkina Faso611.80.0
Burundi310.30.0
Cambodia800.00.0
Cameroon623.60.0
Canada760.00.0
Cape Verde2520.20.0
Central African Republic622.20.0
Chad621.00.0
Chile6535.625.8
China6482.50.0
Colombia550.071.2
Comoros600.00.0
Congo, Dem. Rep.300.00.0
Congo, Rep.628.20.0
Costa Rica3525.578.9
Côte d'Ivoire612.60.0
Croatia650.0100.0
Cyprus900.00.0
Czech Republic656.195.7
Denmark940.07.3
Djibouti110.20.0
Dominica900.00.0
Dominican Republic3635.954.3
Ecuador360.057.9
Egypt, Arab Rep.363.513.7
El Salvador5623.981.1
Equatorial Guinea622.90.0
Eritrea200.00.0
Estonia750.033.1
Ethiopia420.20.0
Fiji730.067.6
Finland840.020.5
France7443.30.0
Gabon6224.20.0
Gambia, The500.00.0
Georgia860.029.6
Germany761.3100.0
Ghana830.03.3
Greece450.082.4
Grenada800.00.0
Guatemala8617.38.9
Guinea600.00.0
Guinea-Bissau611.00.0
Guyana400.00.0
Haiti320.70.0
Honduras8616.331.2
Hong Kong SAR, China1050.086.3
Hungary740.016.1
Iceland750.0100.0
India840.015.1
Indonesia3431.80.0
Iran, Islamic Rep.4426.524.4
Iraq300.00.0
Ireland950.0100.0
Israel950.0100.0
Italy3523.0100.0
Jamaica800.00.0
Japan760.099.0
Jordan421.60.0
Kazakhstan450.037.6
Kenya1040.04.5
Kiribati500.00.0
Korea, Rep.860.0100.0
Kosovo8520.50.0
Kuwait440.029.0
Kyrgyz Republic1040.018.7
Lao PDR400.00.0
Latvia10559.70.0
Lebanon4516.60.0
Lesotho600.00.0
Liberia710.60.0
Lithuania5615.075.6
Luxembourg600.00.0
Macedonia, FYR7634.368.3
Madagascar200.10.0
Malawi700.00.0
Malaysia10649.483.4
Maldives400.00.0
Mali613.70.0
Marshall Islands900.00.0
Mauritania310.20.0
Mauritius6349.80.0
Mexico660.098.1
Micronesia, Fed. Sts.700.00.0
Moldova840.03.0
Mongolia6451.40.0
Montenegro10426.40.0
Morocco350.014.6
Mozambique243.80.0
Namibia850.061.5
Nepal730.00.3
Netherlands650.083.2
New Zealand1050.0100.0
Nicaragua3510.531.9
Niger610.90.0
Nigeria900.10.0
Norway740.0100.0
Oman4418.90.0
Pakistan646.92.0
Palau100.00.0
Panama560.053.8
Papua New Guinea530.01.8
Paraguay3615.748.5
Peru7628.536.0
Philippines430.08.2
Poland950.074.8
Portugal3486.221.5
Puerto Rico (U.S.) 850.072.3
Qatar4432.20.0
Romania9515.242.0
Russian Federation350.035.8
Rwanda861.40.0
Samoa700.00.0
São Tomé and Príncipe 200.00.0
Saudi Arabia560.016.0
Senegal614.50.0
Serbia850.0100.0
Seychelles400.00.0
Sierra Leone700.00.0
Singapore1040.053.8
Slovak Republic942.656.1
Slovenia443.3100.0
Solomon Islands900.00.0
South Africa1060.052.0
Spain6554.711.4
Sri Lanka450.029.4
St. Kitts and Nevis700.00.0
St. Lucia800.00.0
St. Vincent and the Grenadines700.00.0
Sudan400.00.0
Suriname500.00.0
Swaziland650.043.2
Sweden740.0100.0
Switzerland850.027.3
Syrian Arab Republic123.70.0
Taiwan, China550.090.9
Tajikistan200.00.0
Tanzania800.00.0
Thailand550.041.7
Timor-Leste231.80.0
Togo612.50.0
Tonga900.00.0
Trinidad and Tobago840.046.0
Tunisia3527.30.0
Turkey4523.860.5
Uganda740.03.0
Ukraine940.017.0
United Arab Emirates459.029.2
United Kingdom1060.0100.0
United States960.0100.0
Uruguay4628.6100.0
Uzbekistan235.03.6
Vanuatu900.00.0
Venezuela, RB100.00.0
Vietnam8529.80.0
West Bank and Gaza135.50.0
Yemen, Rep.320.70.0
Zambia950.04.3
Zimbabwe700.00.0

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