Women in most parts of the world struggle particularly to obtain a loan, access suitable savings products or even to simply open a bank account. Accessing capital is the challenge that continues to come up as a top priority across many of the programmes supporting women entrepreneurs. Statistically women have lower financial literacy rates than men. Interest rates on loans can be higher for women and financial institutions are often reluctant to give out loans to women, unless they have a male partner and high-value collateral. When women do receive loans, they tend to be at lower values.