The first programme, launched on 18 November 2012, was "The Venture Tool Box," a foundation exercise/course for business owners and managers who want to gain further understanding of some of the fundamental principles associated with owning and operating a start-up or established business. However, such a perspective risks discounting the “gendered interpretation and implementation of gender-neutral economic laws” (Chamlou, 2008) and policies. Banks also appear to demonstrate little awareness of “culturally driven constraints faced by women entrepreneurs, such as their mobility and higher demands on their time, [which] may further limit their ability to access finance” (IFC, 2011). Instead, some of the banks questioned the need to develop specific financial products targeting women entrepreneurs.