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title: World bank loans country wise

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# World bank loans country wise
<p align="justify"><span>Have you ever wondered how countries borrow money from the World Bank? It is actually quite interesting. The World Bank helps nations build roads, schools, hospitals, and much more. But each country borrows differently and for different reasons. Here is a simple guide to </span><strong><span><a href="https://visual-nerd.com/2025/06/12/top-debtor-countries-to-the-world-bank/">World Bank loans country wise</a>.</span></strong><span></span></p>
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<p align="justify"><strong><span><img src="https://visual-nerd.com/wp-content/uploads/2025/06/Revised-Version-1.png" border="0" width="425" height="300" style="display: block; margin-left: auto; margin-right: auto;"></span></strong></p>
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<h2 align="justify"><strong><span>What is the World Bank?</span></strong><span></span></h2>
<p align="justify"><span>The World Bank was founded in 1944. Its primary purpose was to assist countries in their post-World War II recovery. Today, it focusses on poverty reduction and assisting countries in achieving safe and sustainable growth.</span><span></span></p>
<p align="justify"><span>Key points:</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>Offers loans, grants, and credits.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>supports programs in health, education, and infrastructure.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>Provides advice and counsel to governments.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>helps countries during catastrophes and emergencies.</span><span></span></p>
<p align="justify"><span>The World Bank functions as a large financial aid provider for countries in need of assistance in their growth.</span><span></span></p>
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<h2 align="justify"><strong><span>How the World Bank Gives Loans</span></strong><span></span></h2>
<p align="justify"><span>The World Bank has two major loan programs:</span><span></span></p>
<h3 align="justify"><strong><span>1. International Bank for Reconstruction and Development (IBRD)</span></strong><span></span></h3>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>Developed for middle-income and creditworthy low-income countries.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>Loans are at near-market rates and are typically repaid in 15 to 30 years.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&bull;<span>&nbsp;</span></span><!--[endif]--><span>Used for major projects such as highways, energy plants, and civic improvements.</span><span></span></p>
<h3 align="justify"><strong><span>2. International Development Association (IDA)</span></strong><span></span></h3>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Designed for the world's poorest countries.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Offers loans with very cheap or zero interest, as well as grants.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Supports schools, hospitals, water supply, and social programmes.</span><span></span></p>
<p align="justify"><span>Middle-income countries mostly use the IBRD, but the poorest countries rely on IDA to fund critical projects.</span><span></span></p>
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<h2 align="justify"><strong><span>Top Borrowing Countries for 2025</span></strong><span></span></h2>
<p align="justify"><span>Countries borrow strategically Loans enable them to expand, improve services, and plan for the future Here are the top borrowers for </span>World Bank loans <span>by country in 2025:</span><span></span></p>
<p><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>India:</span></strong><span>&nbsp;The largest borrower supports energy, rural development, education, and infrastructure</span><span></span></p>
<p><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Indonesia:</span></strong><span>&nbsp;Loans finance transportation, education, emergency preparedness, and environmental projects</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Ukraine:</span></strong><span>&nbsp;Borrowed significantly to rebuild and recover following hostilities</span><span></span></p>
<p><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Colombia:</span></strong><span>&nbsp;Loans are used to support rural development, social activities, and civic upgrades</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Brazil:</span></strong><span>&nbsp;Supports healthcare, urban development, and Amazon conservation</span><span></span></p>
<p><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Philippines:</span></strong><span>&nbsp;Loans support catastrophe preparation, social welfare, and infrastructure projects.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>China:</span></strong><span>&nbsp;Concentrate on rural development, pollution control, and poverty reduction.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Mexico:</span></strong><span>&nbsp;Supports water management, energy initiatives, and social services.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Turkey:</span></strong><span>&nbsp;Supports urban development, agricultural, and social projects.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><strong><span>Argentina:</span></strong><span>&nbsp;Helps to stabilise the economy and relieve poverty during inflation</span><span></span></p>
<p align="justify"><span>Tip: These ten countries account for more than half of all </span>World Bank loans globally.<span></span></p>
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<h2 align="justify"><strong><span>Why Countries Borrow?</span></strong><span></span></h2>
<p align="justify"><span>Borrowing is more than simply money. It is about constructing a stronger future. Countries lend to:</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Build roads, bridges, and railroads.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Improve schools, hospitals, and public services.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Provide clean water and power.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Protect the environment.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Plan for catastrophes and calamities</span><span></span></p>
<p><span>Even powerful economies borrow money to fund initiatives without depleting their own resources.</span><span></span></p>
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<h2 align="justify"><strong><span>How the World Bank Helps</span></strong><span></span></h2>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Provides money that countries would not have otherwise.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Provides advice and help for large projects.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Promotes growth and long-term planning.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Helps governments manage debt properly to avoid difficulties.</span><span></span></p>
<p align="justify"><span>The World Bank operates as a financial coach, providing all of the necessary tools for success.</span><span></span></p>
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<h2 align="justify"><strong><span>Quick Summary</span></strong><span></span></h2>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Lending is organised into the IBRD and IDA.</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Top borrowers are India, Indonesia, and Ukraine</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Loans support infrastructure, social initiatives, and environmental projects</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>Borrowing is strategic and allows countries to plan for the future</span><span></span></p>
<p align="justify"><!-- [if !supportLists]--><span style="mso-list: Ignore;">&middot;<span>&nbsp;</span></span><!--[endif]--><span>The top ten borrowers are responsible for more than half of all loans.</span><span></span></p>
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<h2 align="justify"><strong><span>Conclusion</span></strong><span></span></h2>
<p align="justify"><span>The World Bank's loans are about more than money They are tools for growth, stability, and progress Countries such as India, Indonesia, and Ukraine show how borrowing may lead to a stronger economy, better services, and a more secure future Understanding </span>World Bank loans by country reveals how money goes throughout the world and how the World Bank promotes global development.</p>
<p align="justify"><span>Borrowing does not suggest weakness. It is a good option to build better nations for the future.</span><span></span></p>