Gambia, The Real Interest Rate
Real interest rate FR.INR.RINR
Gambia, The's real interest rate was -3.28% in 2025, ranked 79th globally. This represents a 153.0% decrease from 2024. Data from World Bank, covering 1985–2025.
Overview
Gambia, The's real interest rate stood at -3.28% in 2025, a decline of +9.46pp from 2023. Based on recent trends, this figure is projected to reach -3.28% by 2025. Gambia, The ranked 79th globally.
Gambia’s real interest rate in 2025 stood at –3.28 %, placing it 79th in the world and marginally higher than Angola (–3.47 %) and San Marino (–3.17 %). The indicator has traversed a 38‑year span from a low of –17.89 % in 1985 to an all‑time peak of 33.47 % in 1997, before plunging to a trough of –45.95 % in 1991, reflecting the volatility of monetary policy and external shocks that have characterised the country’s macro‑environment. The post‑1990s decline from the 1997 high coincides with periods of fiscal consolidation and structural adjustment, while the recent negative stance signals accommodative policy aimed at stimulating growth amid subdued inflation. Compared with peers such as India (–2.28 %) and Romania (–3.63 %), Gambia’s rate remains more expansionary. Continued improvement in fiscal balances and stronger external financing could gradually shift the real rate upward, reducing reliance on negative policy rates.
Data & projection
| Year | Real Interest Rate | YoY change | Rank |
|---|---|---|---|
| 2026* trend | -7.73% | - | - |
| 2025* trend | -3.28% | - | - |
| 2025 | -3.28% | −9.46pp | #79 |
| 2023 | 6.18% | −3.18pp | #59 |
| 2022 | 9.36% | −1.93pp | #93 |
| 2021 | 11.28% | −13.97pp | #103 |
| 2020 | 25.26% | +4.79pp | #108 |
| 2019 | 20.47% | +0.79pp | #114 |
| 2018 | 19.68% | −4.45pp | #116 |
| 2017 | 24.13% | +2.00pp | #129 |
| 2014 | 22.13% | +1.30pp | #134 |
| 2013 | 20.83% | −2.43pp | #140 |
| 2012 | 23.26% | +0.86pp | #135 |
| 2011 | 22.40% | +2.19pp | #131 |
| 2010 | 20.21% | −1.30pp | #131 |
| 2009 | 21.52% | −2.42pp | #117 |
| 2008 | 23.93% | +1.42pp | #131 |
Detected Pattern
Analysis
Gambia, The matched the Orthodox Tightening Cycle pattern in 2023. Historically, 57% of countries showing this pattern (177 out of 311) saw real interest rate improve within 24 months. View full analysis →
Frequently Asked Questions
Gambia, The's real interest rate was -3.28% in 2025. Ranked 79th globally. This represents a 153.0% decrease from the previous year.
Gambia, The's real interest rate peaked at 33.47% in 1997.
The lowest real interest rate in Gambia, The was -45.95% in 1991.
Gambia, The ranks 79th globally in real interest rate as of 2025.
The World Bank indicator code is FR.INR.RINR. Data sourced from World Bank.
Gambia, The's real interest rate is projected to reach -3.28% by 2025 based on trend extrapolation.
The real interest rate of Gambia, The in 2025 was -3.28%. This ranks 79th in the world.
Cite this page
@misc{historysaid_gambia-the_real-interest-rate,
title = {Gambia, The Real Interest Rate},
url = {https://historysaid.com/gambia-the/real-interest-rate/},
publisher = {HistorySaid},
year = {2026}
}