The barriers include high interest rates, collateral requirements, lack of track record and the complex application process.1' In addition, in 127 countries covered by the World Bank data, the law does not prohibit discrimination by creditors on the basis of gender in access to credit. Chapter 4 describes some innovations to overcome this barrier. According to data from 'Women, Business and the Law 2016' (World Bank, 2015), 167 of the 173 countries surveyed mandate paid or unpaid maternity leave.