Formal Borrowing Statistics in Kosovo (2026)
9.6% of adults in Kosovo borrowed from a formal financial institution in 2024, World Bank Global Findex data show. Down from 17.6% in 2021 to 9.6% in 2024 (−8 percentage points). Kosovo ranks #46 of 46 economies in Europe & Central Asia on this measure, and #101 of 142 globally.
Key Statistics
- Latest value (2024)
- 9.6% (2024)
- Formal Borrowing in Kosovo as of 2024, the most recent observation in World Bank Global Findex data.
- Change since 2021
- −8 pp (2024)
- Down from 17.6% in 2021 to 9.6% in 2024 (−8 percentage points).
- Earliest value in this dataset (2014)
- 16.8% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Down from 16.8% in 2014 to 9.6% in 2024.
- Peak value (2021)
- 17.6% (2021)
- Highest value in the available series; the 2024 value is 9.6%.
- Rank in Europe & Central Asia
- #46 of 46 (2024)
- Kosovo ranks 46 of 46 countries in Europe & Central Asia with data, based on each country's latest value.
- Global rank
- #101 of 142 (2024)
- Kosovo ranks 101 of 142 countries with data globally.
- Europe & Central Asia average
- 33.3% (2024)
- Kosovo (9.6%) is below the average of 33.3% across the 46 countries in Europe & Central Asia with data.
- Internet use in Kosovo (2018)
- 89.4% (2018)
- 89.4% of the population in Kosovo used the internet in 2018 (World Bank); shown for context only.
- Population (2024)
- 1.6 million (2024)
- Kosovo had a population of 1.6 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2024
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2024 | 9.6% | −8.0 pp |
| 2021 | 17.6% | +2.9 pp |
| 2017 | 14.7% | −2.1 pp |
| 2014 | 16.8% | — |
Frequently asked questions
What share of adults in Kosovo borrowed from a formal financial institution?
9.6% of adults in Kosovo borrowed from a formal financial institution in 2024, according to World Bank Global Findex data.
How recent is the formal borrowing data for Kosovo?
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 Kosovo.
Where does the formal borrowing data for Kosovo come from?
The data comes from the World Bank Global Findex (indicator fin22a). The latest observation for Kosovo is from 2024; the snapshot was retrieved on 2026-06-10.
How has formal borrowing in Kosovo changed over time?
World Bank Global Findex data show a decline from 16.8% in 2014 to 9.6% in 2024.
How does Kosovo compare with other countries in Europe & Central Asia?
Kosovo ranks 46 of 46 countries in Europe & Central Asia with data, with 9.6% versus a regional average of 33.3% (latest values per country).
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 .