Some credit is provided by the Fisheries Department, which operates a revolving loan scheme for artisanal operations. This, however, benefits more the men. In fact, few loans are destined for the post-harvest activities in which women are involved. Due to such problems, women have, on their own, formed associations to try and access traditional as well as institutionalized credit. Kinship plays an important role in these associations.
Women help each other in many ways, such as by lending tools and drying racks.
The social organization of kinship relations helps women escape from the cycle that perpetuates poverty. There are several kafo groups in different villages. The kafo network is usually limited to women of the same ethnic group. Through membership of these groups, women can overcome barriers due to lack of credit facilities. The credit schemes of the kafos , which operate with a set of agreed rules and regulations, involve specific weekly or monthly cash subscriptions by members.