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