A second set of interventions would attempt to decrease the cost of the use of the
types of guarantees that the poor can offer. The decree of the president to reform the
framework for security interests could be made law. Likewise, public support for a
national pledge registry for all kinds of movable assets would decrease the cost of loans
backed by chattel. The government could also mandate the use of a national credit
bureau for all borrowers, whether in arrears or in good standing. This would increase
the worth of a clean credit record and thus spur better repayment.