However, the effectiveness of these efforts has been questioned, and following an analysis by Dr. Aubone at St. Mary's University, more research and data is required to identify the best ways to prevent gender-based violence at the complex. Economic and legal status Operations at the complex are financed by foreign donors. Despite this, public perception in Kenya is that refugees in general cause a strain on the economy. Research, however, has found that many refugees are economically self-sufficient for the most part. In order to try to further increase the economic independence of refugees living in Dadaab, CARE has initiated microfinance programs, which are particularly important for encouraging women to start their own businesses. However, recent scholarly research has identified some flaws with microfinance, arguing that it has unintended negative consequences. Microfinance typically requires borrowers to pay very high interest rates, which can be detrimental to the poorest if any unexpected problems or crises arise. Living in a community with other economically disadvantaged individuals can also make it difficult to make a profit from a business venture since potential customers are not able to afford the service or product that is being sold. Others have argued that this is beneficial to individuals as a short-term economic solution, but that over the long-term it does not improve the economy as a whole. CARE is also working to create more inclusive markets that refugees are able to participate in to profit off of their newly acquired skills and business ventures. Repatriation and resettlement In November 2013, the Foreign Ministries of Somalia and Kenya and the UNHCR signed a tripartite agreement in Mogadishu paving the way for the voluntary repatriation of Somalia nationals living in Dadaab. Both governments also agreed to form a repatriation commission to coordinate the return of the refugees. This repatriation effort was in response to an attack on the Westgate shopping mall in Nairobi, and belief that Al-Shabaab, the militant group responsible for the attack, was using Dadaab to recruit new members. In 2014, the UNHCR assisted 3,562 refugees originating from Somalia to resettlement from Kenya. Slightly over 2,000 individuals returned to the Luuq, Baidoa and Kismayo districts in southern Somalia under the repatriation project. Despite these government endorsed repatriation schemes, the majority of the returnees have instead repatriated independently. By February 2014, around 80,000 to 100,000 residents had voluntarily repatriated to Somalia, significantly decreasing the base's population. Following