Legal changes that allow the use of movable assets as collateral and of leasing and factoring, creation of credit bureaux, and fiscal incentives that encourage group lending and more timely bankruptcy procedures would all contribute to increasing the supply of conventional bank credits to the poor, thereby creating an inclusive financial system. First of all, employment opportunities, despite their expansion, may not be sufficient to employ all those who are willing to work. Support for the unemployed therefore proves to be important.