IFC Enterprise Finance Gap Database

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Indicator Style:
Have Access to Credit, %
Have Loan, %
Have Overdraft, %
Have Checking, %
The IFC Enterprise Finance Gap Database, using primarily data from World Bank Enterprise Surveys, estimates the number of micro, small, and medium enterprises (MSMEs) in the world, and the degree of access to credit and use of deposit accounts for formal and informal MSMEs. The database currently covers 177 countries.
400 million MSMEs in developing countries
15% have access to credit
40% unserved
10% underserved
Access to finance a major constraint for 25%

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Country Summary Compare Regions/Countries
# of Enterprises
Access to finance as major/severe barrier
GDP per capita (constant 2005 US$)
GDP per capita (current US$)
Automated teller machines (ATMs) (per 100,000 adults)
Commercial bank branches (per 100,000 adults)
Point-of-sale terminals (per 100,000 adults)
Domestic credit to private sector (% of GDP)
Lending interest rate (%)
Population, total
Adult population ages 15+ (% of total)
Mobile cellular subscriptions (per 100 people)
Labor force, total
Employment to population ratio, 15+, total (%)
Poverty headcount ratio at $2 a day (PPP) (% of population)
Strength of legal rights index (0=weak to 10=strong)
Credit depth of information index (0=low to 6=high)
Ease of doing business index (1= most business-friendly regulations)
Literacy Rate, adult total (% of people ages 15 and above)
Deposit interest rate (%)
Unemployment, total (% of total labor force)
Interest rate spread (lending minus deposit rate, %)
Private Credit bureau coverage (% of adults)
Public credit registry coverage (% of adults)
Labor participation rate, male (% of male population ages 15+)
Labor participation rate, female (% of female population ages 15+)
Urban population (% of total)
Data Sources: IFC Enterprise Finance Gap Database; World Development Indicators, The World Bank.