Credit registry coverage (% of adults)

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Credit registry coverage reports the number of individuals and firms listed in a credit registry’s database as of January 1, 2015, with information on their borrowing history within the past five years, plus the number of individuals and firms that have had no borrowing history in the past five years but for which a lender requested a credit report from the registry in the period between January 1, 2014, and January 1, 2015. The number is expressed as a percentage of the adult population (the population age 15 and above in 2013 according to the World Bank’s World Development Indicators). A credit registry is defined as a database managed by the public sector, usually by the central bank or the superintendent of banks, that collects information on the creditworthiness of borrowers (individuals or firms) in the financial system and facilitates the exchange of credit information among banks and other regulated financial institutions (while their primary objective is to assist banking supervision). If no credit registry operates, the coverage value is 0.0%. Performance score from 0 to 100. The highest score reflects the best situation.

Source: World Bank, Doing business 2016.

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