A scatter plot showing the percentage of the poorest 40% vs. richest 60% borrowing from financial institutions across various countries in 2022, categorized by income group.

Scatter plot showing borrowing rates from financial institutions by income group across countries.

Loan from a financial institution, poorest 40% vs. richest 60%, 2022 Our World in Data The percentage of respondents aged 15 and older who reported borrowing money from a bank or another type of financial institution or using a credit card in the past year. Poorest 40% borrowing from financial institutions 100% 80% 60% 40% 20% 0% 0% 20% 40% 60% 80% 100% Richest 60% borrowing from financial institutions Latest income group Low-income countries Lower-middle-income countries Upper-middle-income countries High-income countries Switzerland Iceland Canada Hong Kong United States Japan Germany Australia France Belgium Finland Mongolia Brazil Argentina Kuwait Georgia Azerbaijan Colombia Albania Benin Haiti Afghanistan Data source: World Bank (2021); World Bank (2025) OurWorldInData.org/economic-growth | CC BY

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