The World Bank is a source of financial and technical assistance to developing countries around the world. It is not a bank in the common sense. The World Bank is made up of two development institutions owned by 185 member countries—the International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA). The IBRD focuses on middle income and creditworthy poor countries, while IDA focuses on the poorest countries in the world. They provide low-interest loans, interest-free credit and grants to developing countries principally for education, health, infrastructure, and communications.