Data for Brazil, Chile, Costa Rica, Indonesia, Mexico, Morocco, the OECD average, the Russian Federation, South Africa and Turkey refer to all ages, for China to 16+ year-olds, and for Argentina, Colombia, Egypt, India, Peru and Tunisia to 15-64 year-olds. Credit constraints, as well as lower levels of financial literacy and business-related knowledge, are among the key drivers of gender gaps in entrepreneurship (Chapter 23). In most countries where historical data are available, the pay gap has lessened since 2005.