Lack of access to capital

Attempts by WCFJC's target population to access bank loans are frustrating. A 2000 study tour conducted by principal officers of Africa's leading micro credit institutions found that existing micro credit institutions are not structured to support low-income borrowers, who lack collateral and high interest loan repayment capacity. Instead, micro credit loan programs are designed for the needs of urban and peri-urban enterprises, effectively excluding the vast majority of rural low-income women.

Lack of property ownership excludes women from leveraging the banking system for loan facilities. It further causes women-ran income generating activities to be conducted on "hired" or "borrowed" land.