Bottles of antiseptic at JRA Enterprises, a manufacturer of soaps, cosmetics and personal hygiene products. Through a collateral registry the company has been able to use its inventory and vehicles as security against a GHS 200,000 (GBP 34,500) loan extended by Women's World Banking Ghana, which is being used to expand its premises. Prior to this, formal loan amounts had been restricted to GHS 5,000 - 10,000 (GBP 863 - 1,726) and the proprietor of the company relied on a friend for financial support. The company now employs 142 staff and has several shops in major towns and cities in the country. International Finance Corporation (IFC) supported initiatives to create a regulatory framework for leasing and establish credit bureaus and collateral registries have improved access to finance for Small and Medium Enterprises (SMEs).