Efforts to improve the situation of women and girls in India (cont.) For instance, the Indian National Rural Employment Guarantee Act (NREGA) aims to promote women’s participation in the workforce by setting explicit quotas for female participation in the scheme, setting equal wages for men and women, by allowing childcare facilities to be provided on worksites, and by requiring provision of work close to participants’ homes (OECD, 2012a). The programme succeeded in granting women higher wages than in private rural employment (Holmes and Jones, 2011), but has been criticised for high costs and low efficiency (Niehaus and Sukhtankar, 2009), corruption (Liu and Deininger, 2010), and the lack of day-care facilities at or near the work sites (Bhatty, 2006). Men are 70% more likely than women to have an account at a formal financial institution (44% of men and 26% of women aged 15 and older in 2011 - Demirguc-Kunt and Klapper, 2012).