That's interesting. We're developing a project on increasing access to finance for small businesses in the Caribbean, and the question is exactly what you're asking about. The basic problem is there are very few things that people can use as collateral to get credit, whereas in our country and a lot of developed countries, you can use furniture, you can use the cargo on a ship--all kinds of different things.
Second, from a development perspective, there may be a house and a car or something like that. These tend to be owned by the men in the household. The women don't have any access to credit, but they might have jewellery or family heirlooms or different kinds of things. To address this, there are all kinds of different ways, but one of the key things is to change the laws and the regulations to allow these kinds of things and to create greater certainty within the financial market for it to lend to small businesses.
This is at the very micro level and is more domestically oriented than internationally oriented, but that's the direction that a lot of these things are going in. De Soto very much talked about private property rights and using them to access credit. You see these kinds of projects all around the world. There's a strong emphasis on these kinds of things.