Credit worthiness of Rwandans has improved ever since the credit reference system was launched two years ago.

This was disclosed on Monday during launch of one-month campaign coded "Step Forward: I have a clean record. Do you? -meant to boost people's use of the credit registry information.

As of December last year, non-performing loans were at 6.1% compared to 8.1% of 2011, an achievement the Central Bank attributes to the credit reporting system.