Borrowers from commercial banks (per 1,000 adults)

This indicator reflects the prevalence of individuals and businesses engaging with commercial banks for credit, highlighting the financial intermediation within an economy. It encompasses nonfinancial corporations—both private and public—as well as households that have secured loans from recognized commercial banking institutions. The figures are typically derived from the total count of loan accounts; however, the actual number of distinct borrowers may be obscured by limited data availability. A higher ratio can signify a robust engagement with financial services, indicating economic activity and investment propensity, while a lower ratio might point to barriers in access to credit, which could stem from factors such as stringent lending criteria or a lack of financial literacy among the populace. Source: