Nationality They have borrowed money and type of lender Total Total Total 100.0 Total Have borrowed money 31.2 Total - Bank or financial institution 3.6 Total - NGO 1.0 Total - Family 13.6 Total - Friends 15.7 Total - Others 1.5 Total Have not borrowed money 68.8 Spanish Total 100.0 Spanish Have borrowed money 33.5 Spanish - Bank or financial institution 5.5 Spanish - NGO 0.5 Spanish - Family 15.3 Spanish - Friends 15.1 Spanish - Others 2.1 Spanish Have not borrowed money 66.5 Foreign Total 100.0 Foreign Have borrowed money 28.9 Foreign - Bank or financial institution 1.7 Foreign - NGO 1.4 Foreign - Family 12.0 Foreign - Friends 16.4 Foreign - Others 1.0 Foreign Have not borrowed money 71.1