Countries by borrowed from a financial institution or used a credit card, adults
Israel had the highest borrowed from a financial institution or used a credit card, adults of 141 countries in 2014, at 78.92%. Yemen had the lowest, at 0.6%. The median was 18.87%. Source: the World Bank.
Map of countries, 2014
- Under 5.1
- 5.1 to 13
- 13 to 19
- 19 to 26
- 26 to 41
- 41 and over
- No data
Top 40 countries, 2014
Full ranking
Other periods
- 2017
- 2014
About this ranking
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.
Global Findex survey estimates for people aged 15 and over, or the named subgroup. Percentages use all respondents in that population, not only savers, borrowers or account owners. Only published survey years are stored; no values are interpolated or carried forward. The 2025 edition reports 2024 fieldwork. Some earlier-wave surveys were conducted in 2022; the publisher year labels are retained. In 2024, account and debit-card ownership were asked more widely than other financial-use questions, so available years vary by measure and economy. Survey coverage and questions can change between waves.
Every value in the ranking comes from the same publisher and the same period, so the countries are compared on one definition. 17 countries with data in other periods have no value for 2014 and are left out rather than filled from another source. Equal values share a rank.
How to cite
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.Citation styles
APA 7
World Bank. (2025). Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a) (Countries by borrowed from a financial institution or used a credit card, adults, 2014) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28
MLA 9
Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a), Countries by borrowed from a financial institution or used a credit card, adults, 2014. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/borrowed-formally-adults/countries?period=2014. Accessed 12 Oct. 2026.
Chicago (author-date)
World Bank. 2025. Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a). Countries by borrowed from a financial institution or used a credit card, adults, 2014. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/borrowed-formally-adults/countries?period=2014.
Harvard
World Bank (2025) Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a), Countries by borrowed from a financial institution or used a credit card, adults, 2014 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/borrowed-formally-adults/countries?period=2014 (Accessed: 12 October 2026).
BibTeX
@misc{world_countries_by_borrowed_from_2014,
author = {{World Bank}},
title = {{Global Findex: Borrowed from a formal bank or similar financial institution (\% age 15+) (fin22a): Countries by borrowed from a financial institution or used a credit card, adults, 2014}},
year = {2025},
howpublished = {Data set},
url = {https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28},
urldate = {2026-10-12},
note = {Accessed via Invokely, https://invokely.ai/rankings/borrowed-formally-adults/countries?period=2014. Publisher attribution: 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.},
}
RIS
TY - DATA
AU - World Bank
TI - Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a): Countries by borrowed from a financial institution or used a credit card, adults, 2014
PY - 2025
DA - 2025/10/06
PB - World Bank
DB - Invokely
UR - https://api.worldbank.org/v2/country/all/indicator/fin22a?format=json&per_page=20000&date=2011:2024&source=28
L2 - https://invokely.ai/rankings/borrowed-formally-adults/countries?period=2014
Y2 - 2026/10/12
N1 - Accessed via Invokely, https://invokely.ai/rankings/borrowed-formally-adults/countries?period=2014.
N1 - Publisher attribution: 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.
ER -
Use this data in your AI agent
Invokely serves this figure to AI assistants through MCP and to code through a REST API, with the source and citation attached. Ask your assistant:
Rank Countries by borrowed from a financial institution or used a credit card, adults using official data, and cite the source.
rank_places {"indicator":"borrowed_formally_adults","level":"country","limit":10}
GET https://invokely.ai/api/v1/rank?indicator=borrowed_formally_adults&level=country&limit=10Questions
Which country has the highest borrowed from a financial institution or used a credit card, adults?
Israel, with 78.92% in 2014, according to the World Bank.
Which country has the lowest borrowed from a financial institution or used a credit card, adults?
Yemen, with 0.6% in 2014.
Where does this ranking come from?
Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Borrowed from a formal bank or similar financial institution (% age 15+) (fin22a). Retrieved 2026-10-12. 17 countries have no value for 2014 and are not ranked.