However, as only about 10 per cent of Vietnamese have a bank account, the effectiveness of these policies has been limited (EIU, 2010). Thirdly, many women entrepreneurs in developing regions are considered by banks to be high-risk, low-profit customers, as they operate informal businesses in low-growth sectors of the economy (ibid.). For example, a study of women entrepreneurs in Nepal found that such loans made up 85 per cent of women’s borrowing (UNESCAP, 2005).