Formal Borrowing Statistics in Kazakhstan (2026)
In 2024, 32.8% of adults in Kazakhstan borrowed from a formal financial institution, according to World Bank Global Findex data. Up from 29.8% in 2021 to 32.8% in 2024 (+3 percentage points). Kazakhstan ranks #21 of 46 economies in Europe & Central Asia on this measure, and #35 of 142 globally.
Key Statistics
- Latest value (2024)
- 32.8% (2024)
- Formal Borrowing in Kazakhstan as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- +3 pp (2024)
- Up from 29.8% in 2021 to 32.8% in 2024 (+3 percentage points).
- Earliest value in this dataset (2014)
- 19.7% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 19.7% in 2014 to 32.8% in 2024.
- Record high (2024)
- 32.8% (2024)
- The 2024 value is the highest in the available World Bank Global Findex series for Kazakhstan.
- Rank in Europe & Central Asia
- #21 of 46 (2024)
- Kazakhstan ranks 21 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #35 of 142 (2024)
- Kazakhstan ranks 35 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2024)
- Kazakhstan (32.8%) is below the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Among women (2024)
- 30.2% (2024)
- Value for women in Kazakhstan, same 2024 World Bank Global Findex data.
- Among men (2024)
- 35.6% (2024)
- Value for men in Kazakhstan, same 2024 World Bank Global Findex data.
- Gender gap (women minus men)
- −5.4 pp (2024)
- In 2024, the figure was 30.2% for women and 35.6% for men — 5.4 percentage points lower among women.
- Among the poorest 40% (2024)
- 36.3% (2024)
- Value for adults in the poorest 40% of households in Kazakhstan in 2024.
- Poorest-40% gap vs national
- +3.5 pp (2024)
- The poorest 40% (36.3%) are 3.5 percentage points above the national figure (32.8%).
- Internet use in Kazakhstan (2024)
- 93.4% (2024)
- 93.4% of the population in Kazakhstan used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 20.6 million (2024)
- Kazakhstan had a population of 20.6 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 32.8% | +3.0 pp |
| 2021 | 29.8% | +1.6 pp |
| 2017 | 28.2% | +8.5 pp |
| 2014 | 19.7% | — |
Frequently asked questions
What share of adults in Kazakhstan borrowed from a formal financial institution?
32.8% of adults in Kazakhstan borrowed from a formal financial institution in 2024, according to World Bank Global Findex data.
How does Kazakhstan compare with other countries in Europe & Central Asia?
Kazakhstan ranks 21 of 46 countries in Europe & Central Asia with data, with 32.8% versus a regional average of 33.3% (latest values per country).
Where does Kazakhstan rank globally on formal borrowing?
Kazakhstan ranks 35 of 142 countries with data globally, based on the latest World Bank Global Findex value for each country.
Is there a gender gap in formal borrowing in Kazakhstan?
Yes — in 2024 the figure was 30.2% for women and 35.6% for men, a gap of 5.4 percentage points in favor of men.
How recent is the formal borrowing data for Kazakhstan?
The most recent observation is from 2024. World Bank Global Findex data is reported with a lag, so 2024 is the latest available year for Kazakhstan.
Source & methodology
Source: World Bank Global Findex, indicator
fin22a, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .