More recently governments have switched from a policy of eradication to one of giving squatters title to their lands, as part of various programs to move people out of slums and to alleviate poverty. Inspired by the World Bank and the thinking of economists such as Hernando de Soto, the programs aim to provide better housing and to promote entrepreneurship since the former squatters can use their houses as collateral to secure business loans. Former squatters found that it was hard to maintain the property title over time after deaths or divorces and that banks changed their loan requirements so as to exclude them.