To increase access of the poor to credit would require the implementation of a long list of arcane, technical fixes to the system. Although promoting institutions that make microloans would constitute one step, to date these institutions account for not even 1 per cent of the credits provided by commercial banks in Latin America. As argued in United Nations (2006a), expansion of microcredit schemes critically depends on development of broader networks of institutions, including credit unions, savings banks, development banks and special lending windows of commercial banks.