Financial inclusion is about an individual's access to and usage of quality financial products and services. Being able to access and use financial products and services, which meet consumers' needs, can crucially improve the lives of individuals. It gives them the chance to participate in financial markets, to make longer term planning, and to build up securities against foreseen and unforeseen risks or shocks. This in turn enhances welfare. The indicators on this page measure access to and usage of different types of financial products and services. A database query tool helps you evaluate availability of financial products and services across different subgroups of the population. You can also generate graphs to compare countries.

Click on the links below to see the details for a specific economy. To sort data click on the column headers.

About Financial Capability and Consumer Protection

The Financial Capability and Consumer Protection surveys measure the internal capacity to take sound financial decisions, as well as the interaction of this capacity with the enabling environment. Measured external factors include the existing financial infrastructure and consumer protection mechanisms.

VIEWING INDICATORS

Percent of adults with formal savingsThis indicator denotes the percentage of respondents (aged +18) with formal savings. The formal savings category includes savings and deposit accounts held at commercial banks.
Percent of adults with formal current creditThis indicator denotes the percentage of respondents (aged +18) with at least one outstanding formal credit. The formal credit category includes mortagages and loans from commercial banks.
Percent of adults with informal savingsThis indicator denotes the percentage of respondents (aged +18) with informal savings. Informal savings include instruments such as savings clubs or keeping money under the mattress.
Percent of adults with informal current creditThis indicator denotes the percentage of respondents (aged +18) with at least one outstanding informal credit. The informal credit category includes borrowing from savings and credit cooperatives, money lenders, or relatives/friends.
Percent of adults currently owning at least one investment or private pension productThis indicator denotes the percentage of respondents (aged +18) currently owning at least one investment (e.g. shares or bonds, etc.) or private pension product.
Percent of adults currently owning at least one insurance product (incl. mandatory schemes)This indicator denotes the percentage of respondents (aged +18) currently owning at least one insurance product. The main types of insurance policies covered are health, life or income replacement insurance, car, household contents, building, etc.
World23.425.511.918.48.636.8
East Asia and Pacific78.441.83021.214.778.4
Eastern Europe and Central Asia7.122.71.215.711.422.9
Latin America and Caribbean21.229.94.518.75.541.3
Middle East and North Africa23.922.3..24.7423.4
Armenia (2012)2.760.8....2.736.7
Azerbaijan (2009)..6.9..32.7....
Azerbaijan (2016)26.426.518.422.126.38.2
Bosnia and Herzegovina (2011)..32.5..3....
Bulgaria (2010)..23.2..6.9....
Colombia (2012)25.426.24.56.210.836.1
Lebanon (2012)23.934.9..1.6423.4
Mexico (2012)7.814.9..31.347.6
Mongolia (2012)78.441.83021.214.778.4
Morocco (2013)18.617.732.810.42.824
Mozambique (2013)13.419.147.110.91.115.1
Romania (2010)..7.5..9....
Russian Federation (2008)..22.1..33.7....
Senegal (2016)9.45.719.5280.61.9
Tajikistan (2012)0.712.21.28.819.225.8
Turkey (2012)18.116.3....12.26.3
Uruguay (2012)30.448.7....1.680.1
West Bank and Gaza (2011)..9.7..47.8....