World Bank Group · Able to Raise Emergency Funds Within 30 Days
Emergency funds by country
What share of adults could find money for an emergency within a month?
China placed first of the 98 countries compared in 2024, at 83.719%, and Eswatini last, at 24.034%. In the middle country the figure was 53.853%.
Emergency funds · 2024
Key statistic · Risk & Resilience
Highest of 98China
83.719%012024 · position · derived
Who leads
The three countries at the highest end of 98 compared, the three at the other end, and the first on each continent.
1Photo: Seebeer Edited by Nicholasjf21 · Public domain, greyscale
2Photo: Maher A. A. Abdussalam · CC0, greyscale
3Photo: The original uploader was Marko Markovic at English Wikipedia . derivative work: Jjtkk · CC BY-SA 3.0, greyscale
Lowest in 2024
- 98
Eswatini24.034% - 97
Philippines26.717% - 96
Nigeria28.519%
Positions out of 98. Where a country sits says how it compares with the others measured, and nothing about why.
02Every measured country
Emergency funds on a map
Each country is shaded by its value, in five groups holding the same number of countries. Hover a country for its value, or select it to open its profile. Below the map, each continent’s middle country.
Darker is a higher value — the better end.
- 24.034–42.342%
- 42.448–50.413%
- 50.900–58.537%
- 58.617–67.671%
- 67.771–83.719%
- No reading in 2024 (44 measured in an earlier edition)
- Europe
70.291%
the middle country, of 12 measured · 49 members
Kosovo80.548%
Moldova59.201%Highest and lowest reading in Europe.
- Asia
59.543%
the middle country, of 29 measured · 52 members
China83.719%Philippines26.717%Highest and lowest reading in Asia.
- Americas
53.980%
the middle country, of 17 measured · 48 members
Bolivia64.897%
Guatemala39.132%Highest and lowest reading in Americas.
- Africa
45.321%
the middle country, of 40 measured · 55 members
Libya80.863%Eswatini24.034%Highest and lowest reading in Africa.
- Every region
15 sub-regions, highest middle country first
- Southern Europe
73.447%
the middle country, of 7 measured · 17 members
Kosovo80.548%
Albania60.467%Highest and lowest reading in Southern Europe.
- Northern Africa
67.771%
the middle country, of 5 measured · 6 members
Libya80.863%
Egypt41.433%Highest and lowest reading in Northern Africa.
- Eastern Europe
67.671%
the middle country, of 5 measured · 10 members
Ukraine75.894%Moldova59.201%Highest and lowest reading in Eastern Europe.
- Western Asia
64.752%
the middle country, of 10 measured · 19 members
Saudi Arabia79.332%
Oman41.616%Highest and lowest reading in Western Asia.
- South-eastern Asia
58.617%
the middle country, of 7 measured · 11 members
Vietnam80.530%Philippines26.717%Highest and lowest reading in South-eastern Asia.
- South America
54.143%
the middle country, of 8 measured · 12 members
Bolivia64.897%
Argentina48.860%Highest and lowest reading in South America.
- Central America
52.903%
the middle country, of 8 measured · 8 members
Belize64.759%Guatemala39.132%Highest and lowest reading in Central America.
- Western Africa
49.298%
the middle country, of 14 measured · 16 members
Burkina Faso61.581%Nigeria28.519%Highest and lowest reading in Western Africa.
- Eastern Africa
43.168%
the middle country, of 11 measured · 19 members
Mauritius68.826%
Madagascar28.666%Highest and lowest reading in Eastern Africa.
- Middle Africa
42.581%
the middle country, of 5 measured · 9 members
Cameroon52.384%
Republic of the Congo42.342%Highest and lowest reading in Middle Africa.
- Southern Asia
36.836%
the middle country, of 6 measured · 9 members
Iran75.952%
India30.108%Highest and lowest reading in Southern Asia.
- Southern Africa
31.445%
the middle country, of 5 measured · 5 members
Lesotho44.028%Eswatini24.034%Highest and lowest reading in Southern Africa.
- Caribbean
1 of 24 measured — too few for a middle: Dominican Republic.
Dominican Republic58.049%Highest and lowest reading in Caribbean.
- Central Asia
4 of 5 measured — too few for a middle: Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan.
Kyrgyzstan72.904%
Kazakhstan49.768%Highest and lowest reading in Central Asia.
- Eastern Asia
2 of 8 measured — too few for a middle: China, Mongolia.
China83.719%
Mongolia72.599%Highest and lowest reading in Eastern Asia.
03The whole field at once
The spread
98 countries, one dot each, on one scale — further right is a higher value. Half the countries are above 53.853%; a quarter are above 65.179%, and a quarter below 44.068%. The bar in each row marks that continent’s middle country.
04All 142 ever measured
Every country
In order, highest value first. “=” marks a position shared with another country. World Bank Group ranks nobody on this measure; the position is derived here by ordering the published values. Most high-income economies were not asked this question in 2024, so the 2024 table is mainly low- and middle-income countries, and a rich country's latest figure is in the 2021 table. The question counts only answers of 'not difficult' or 'somewhat difficult': adults who could raise the money only with great difficulty are not counted as able.
Showing 25 of 142 countries
Values for 2024. The change column compares 2024 with 2021 only; the sparkline covers the recent editions.
052021 → 2024
Who rose and fell
The biggest changes in value between the two newest editions. Places are shown second, because they also move when other countries do.
Improved most
before → afterDeclined most
before → after- Philippines50.308% → 26.717% · 81st → 97th−23.591
Poland81.707% → 65.273% · 18th → 25th−16.435
Sri Lanka47.764% → 37.884% · 92nd → 84th−9.880
South Africa39.936% → 30.811% · 110th → 92nd−9.125- Nigeria36.491% → 28.519% · 114th → 96th−7.972
79 countries were measured in both 2021 and 2024. The field changed from 123 to 98 countries, so a place can move for reasons that have nothing to do with the country itself.
06Across every edition
Emergency funds in records
The extremes of the statistic. A record reached by more than one country names none of them.
Highest reading on record
93.687%
Adults who could raise emergency funds within 30 days without great difficulty (% of population aged 15+)
Lowest reading on record
16.490%
Adults who could raise emergency funds within 30 days without great difficulty (% of population aged 15+)
Biggest improvement between editions
+21.600
21.188% → 42.787%
Biggest decline between editions
−23.591
50.308% → 26.717%
Most improved since first measured
+21.600
21.188% → 42.787%
07By sex
Inside the number
World Bank Group also publishes separate female and male readings. The gap between them, where both exist.
Of the 98 countries with both readings, the female reading is higher in 6, the male reading in 92. The widest gaps each way:
08The measure
About emergency funds
This is the share of adults who say they could find money for an emergency within a month without great difficulty, from the World Bank's Global Findex survey. It asks about a household's cushion against a shock — a job lost, an illness, a failed harvest — rather than about its bank account.
What the number is: Adults who could raise emergency funds within 30 days without great difficulty (% of population aged 15+).
What it does not measure
It records what adults expect they could do, not what happened when a shock came, and it does not say where the money would come from — savings, family, a loan or selling something. Adults who could raise the money only with great difficulty are not counted as able.
09Where it fits
Connections
Its part in the Country Index, the statistics whose values line up most closely with it across countries, and others on the same subject.
In the Country Index
A key statistic for Risk & Resilience
“Whether ordinary households could find money for an emergency within a month — the coping capacity of people themselves, where the other keys measure hazards and the state's readiness to meet them.”
- Edition used
- 2024 (data 2024)
- Countries
- 142
- Licence
- CC BY 4.0
Moves with
Where emergency funds is higher, these tend to be higher too.
- Smartphone OwnershipWorld Bank Group · 98 countries in commonρ 0.67
- Mobile Phone OwnershipWorld Bank Group · 98 countries in commonρ 0.66
- Internet Use Among AdultsWorld Bank Group · 98 countries in commonρ 0.63
Moves against
Where emergency funds is higher, these tend to be lower.
- Stunting Prevalence in Children Under FiveKeyUNICEF, WHO and World Bank Group (Joint Malnutrition Estimates) · 87 countries in commonρ −0.64
- Low Birthweight PrevalenceUNICEF and WHO (Joint Low Birthweight Estimates) · 84 countries in commonρ −0.64
- Infant Mortality RateUN IGME · 98 countries in commonρ −0.63
Rank correlation (ρ, from −1 to 1) across countries, on each statistic’s newest edition, out of 247 statistics sharing at least 80 countries with this one. Two statistics that move together do not cause each other.
10Keep reading
Explore further
The subject
The data, edition by edition
More from World Bank Group
- Access to Electricity
- Access to Electricity, Rural
- Account Ownership Among Women
- Account Ownership at a Financial Institution
- Actual Individual Consumption per Capita (PPP)
- Adequacy of Social Protection and Labour Benefits
- Adjusted Net Savings
- Adults Who Experienced a Natural Disaster or Severe Weather
- All statistics
11Questions
Emergency funds: questions and answers
Which country has the highest emergency funds?
China, at 83.719%, among the 98 countries compared in 2024.
Which country has the lowest emergency funds?
Eswatini, at 24.034%, among the 98 countries compared in 2024.
How many countries does the Able to Raise Emergency Funds Within 30 Days cover?
98 in 2024, and 142 at least once across all editions. The number measured varies from 98 to 123 between editions.
What is the world average emergency funds?
This site does not calculate a world average, which would depend on how countries are weighted. In the middle country of the 98 compared in 2024, the figure was 53.853%.
Is this World Bank Group’s own ranking?
No. World Bank Group publishes the values but ranks nobody; the position on this page is derived by Nations Inquiry by ordering the published values, and equal values share a position.
How often is the Able to Raise Emergency Funds Within 30 Days published?
This site holds 2 editions, describing 2021 to 2024.
Where does the data come from, and can I download it?
From World Bank Group, under CC BY 4.0. From World Bank Data360 (Global Findex, WB_FINDEX_FIN24ASD_ND), the Bank's own figures for adults aged 15 and over. Economies surveyed in 2022, whose fieldwork for the 2021 wave ran late, are left out, as they are on this site's account-ownership page. Every edition is on this site’s Datasets pages as a full table, and downloads as a CSV file with every value unrounded.
12Method
Sources, method and citation
Source
Able to Raise Emergency Funds Within 30 Days — World Bank Group
From World Bank Data360 (Global Findex, WB_FINDEX_FIN24ASD_ND), the Bank's own figures for adults aged 15 and over. Economies surveyed in 2022, whose fieldwork for the 2021 wave ran late, are left out, as they are on this site's account-ownership page.
Newest edition
Report year 2024Data year 2024
Cite the source as: World Bank. The Global Findex Database. Washington, DC: World Bank Group.
Licence: CC BY 4.0, checked 2026-09-29.
How this page reads the numbers
- World Bank Group ranks nobody on this measure. The position is derived by Nations Inquiry by ordering the published values; equal values share a position.
- Which end is better follows the publisher’s own reading of the measure.
- A country is named at an end only when it holds that value alone. Where several share it, the page says how many and names none first.
- Values are stored exactly as published and trimmed only for display. “The middle country” is the median of the countries measured, not a world average.
The file itself, column by column — where it came from, what each column holds, and every edition as a CSV — is on its dataset page.
Photographs
The countries at the top of this statistic, from their profiles: Wikimedia Commons, shown in greyscale, each used under the licence named.
- China — Seebeer Edited by Nicholasjf21, Public domain
- Libya — Maher A. A. Abdussalam, CC0
- Kosovo — The original uploader was Marko Markovic at English Wikipedia . derivative work: Jjtkk, CC BY-SA 3.0
Cite this page
Nations Inquiry (2026). Emergency funds by country: Able to Raise Emergency Funds Within 30 Days, data from World Bank Group. https://nationsinquiry.com/statistics/emergency-funds