# Countries by borrowed from a financial institution or used a credit card, adults, 2017

All 144 values come from World Bank for 2017, so the places are comparable. 14 countries have no value for that period and are not ranked.

- Indicator id: `borrowed_formally_adults`
- Unit: %
- Definition: Percentage of respondents aged 15 and over who borrowed money from a bank or similar financial institution or used a credit card in the past 12 months. Includes card use, not bank borrowing alone; excludes borrowing through mobile money alone.
- Source: World Bank, Global Findex: Borrowed from a formal bank or similar financial institution  (% age 15+) (fin22a) (https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28)
- Publisher page: https://invokely.ai/en/publishers/world-bank
- Retrieved: 2026-10-12
- Citation: World Bank, Global Findex Database. Global Findex: Borrowed from a formal bank or similar financial institution  (% age 15+) (fin22a). https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.
- Web page: https://invokely.ai/rankings/borrowed-formally-adults/countries

| Rank | Place | % |
|---:|---|---:|
| 1 | Canada | 82.83 |
| 2 | Israel | 78.84 |
| 3 | Luxembourg | 72.15 |
| 4 | Norway | 69.46 |
| 5 | United States | 68.36 |
| 6 | New Zealand | 66.48 |
| 7 | United Kingdom | 64.75 |
| 8 | Australia | 63.74 |
| 9 | South Korea | 63.16 |
| 10 | Switzerland | 62.39 |
| 11 | Hong Kong | 62.06 |
| 12 | Germany | 54.63 |
| 13 | Finland | 54.2 |
| 14 | Japan | 54.11 |
| 15 | Taiwan | 52.1 |
| 16 | Ireland | 50.61 |
| 17 | Spain | 50.17 |
| 18 | Belgium | 48.33 |
| 19 | Austria | 47.32 |
| 20 | Singapore | 46.9 |
| 21 | Denmark | 46.31 |
| 22 | United Arab Emirates | 46.13 |
| 23 | Italy | 45.67 |
| 24 | France | 45.15 |
| 25 | Sweden | 43.74 |
| 26 | Uruguay | 43.44 |
| 27 | Malta | 43.23 |
| 28 | Türkiye | 42.84 |
| 29 | Slovenia | 40.2 |
| 30 | Croatia | 38.06 |
| 31 | Netherlands | 37.37 |
| 32 | Bahrain | 36.32 |
| 33 | Estonia | 31.84 |
| 34 | Armenia | 31.21 |
| 35 | Chile | 30.92 |
| 36 | Poland | 30.51 |
| 37 | Mongolia | 30.37 |
| 38 | Dominican Republic | 30.29 |
| 39 | Slovakia | 29.61 |
| 40 | Czechia | 29.52 |
| 41 | Portugal | 28.88 |
| 42 | Kuwait | 28.45 |
| 43 | Kazakhstan | 28.2 |
| 44 | Iran | 27.81 |
| 45 | Venezuela | 27.66 |
| 46 | Trinidad and Tobago | 27.49 |
| 47 | Georgia | 27.44 |
| 48 | Cambodia | 26.73 |
| 49 | Brazil | 26.29 |
| 50 | Cyprus | 24.87 |
| 51 | Argentina | 24.37 |
| 52 | Montenegro | 23.75 |
| 53 | Malaysia | 23.36 |
| 54 | Russia | 23.03 |
| 55 | Mauritius | 22.88 |
| 56 | Lebanon | 22.62 |
| 57 | Ukraine | 21.76 |
| 58 | Vietnam | 21.72 |
| 59 | China | 21.67 |
| 60 | Belarus | 21.46 |
| 61 | Colombia | 21.25 |
| 62 | Costa Rica | 21.22 |
| 63 | Saudi Arabia | 21.08 |
| 64 | Lithuania | 20.67 |
| 65 | North Macedonia | 20.49 |
| 66 | Thailand | 20.4 |
| 67 | Moldova | 20.31 |
| 68 | Bolivia | 19.98 |
| 69 | Romania | 19.86 |
| 70 | Maldives | 19.71 |
| 71 | Serbia | 19.7 |
| 72 | Kenya | 19.24 |
| 73 | Myanmar | 19.09 |
| 74 | Peru | 19.06 |
| 75 | Latvia | 18.99 |
| 76 | Bulgaria | 18.76 |
| 77 | Indonesia | 18.44 |
| 78 | Jordan | 17.8 |
| 79 | Sri Lanka | 17.37 |
| 80 | Namibia | 16.94 |
| 81 | Ecuador | 16.66 |
| 82 | Hungary | 15.93 |
| 83 | Tajikistan | 15.48 |
| 84 | Paraguay | 15.39 |
| 85 | Azerbaijan | 15.12 |
| 86 | Bosnia and Herzegovina | 14.73 |
| 87 | Uganda | 14.67 |
| 88 | Honduras | 14.17 |
| 89 | Nepal | 13.64 |
| 90 | South Africa | 13.5 |
| 91 | Nicaragua | 13.43 |
| 92 | Panama | 13.3 |
| 93 | Haiti | 12.86 |
| 94 | Guatemala | 12.66 |
| 95 | Albania | 12.52 |
| 96 | Tunisia | 11.73 |
| 97 | Mexico | 11.67 |
| 98 | Ghana | 11.6 |
| 99 | El Salvador | 11.55 |
| 100 | Benin | 11.36 |
| 101 | Greece | 11.19 |
| 102 | Mozambique | 11.03 |
| 103 | Philippines | 10.7 |
| 104 | Ethiopia | 10.66 |
| 105 | Zambia | 10.41 |
| 106 | Kyrgyzstan | 10.22 |
| 107 | Burkina Faso | 10 |
| 108 | Mauritania | 9.25 |
| 109 | Bangladesh | 9.21 |
| 110 | Togo | 9.14 |
| 111 | Botswana | 8.86 |
| 112 | Egypt | 8.76 |
| 113 | Laos | 8.64 |
| 114 | Malawi | 8.6 |
| 115 | Libya | 8.38 |
| 116 | India | 8.15 |
| 117 | Liberia | 8.09 |
| 118 | Rwanda | 8.09 |
| 119 | Mali | 8.04 |
| 120 | Senegal | 7.82 |
| 121 | Cameroon | 7.7 |
| 122 | Gabon | 7.53 |
| 123 | Palestine | 7.2 |
| 124 | Turkmenistan | 6.84 |
| 125 | Guinea | 5.84 |
| 126 | Lesotho | 5.57 |
| 127 | Nigeria | 5.3 |
| 128 | Tanzania | 5.29 |
| 129 | Republic of the Congo | 5.2 |
| 130 | Sierra Leone | 5.2 |
| 131 | Gambia | 5.1 |
| 132 | Algeria | 4.95 |
| 133 | Zimbabwe | 4.72 |
| 134 | Central African Republic | 4.46 |
| 135 | Democratic Republic of the Congo | 3.94 |
| 136 | Chad | 3.86 |
| 137 | Afghanistan | 3.81 |
| 138 | Madagascar | 3.81 |
| 139 | Niger | 3.8 |
| 140 | South Sudan | 3.35 |
| 141 | Iraq | 3.05 |
| 142 | Côte d’Ivoire | 2.71 |
| 143 | Pakistan | 2.64 |
| 144 | Uzbekistan | 2.36 |