Women have been identified by some development institutions as a key to successful development, for example through financial inclusion. Microcredit is giving small loans to people in poverty without collateral. This was first started by Muhammad Yunus, who formed the Grameen Bank in Bangladesh.[60] Studies have showed that women are more likely to repay their debt than men, and the Grameen Bank focuses on aiding women.[61] This financial opportunity allows women to start their own businesses for a steady income.[62]