This provision should increase the number of women who have registered property titles, thereby making it easier to access business loans. A 2008 International Labor Organization report (2008) noted that women made up nearly half of all MSMEs but had less than 10 per cent of the available credit and less than 1 per cent of agricultural credit. Furthermore, because women have lower levels of education and are segregated into lower paying jobs, they have lower savings with which to start a business.