This page has a list of countries by Loan in the past year (% age 15+), according to officially-recognized international sources compiled by the World Bank. The percentage of respondents who borrowed any money in the past 12 months from any of the following sources: a formal financial institution, a store by using installment credit, family or friends, employer, or another private lender (% age 15+). (Note that getting a loan does not necessarily require having an account.)