Women's access to financial services is assessed at 0 if the law guarantees the same rights to access formal financial services (e.g. credit, bank account and bank loans) to both women and men; 0.5 if the law guarantees the same rights to access formal financial services to both women and men, but there are some customary, traditional or religious practices that discriminate against women; 1 if the law does not guarantee the same rights to access formal financial services to women and men, or women have no legal rights to access financial services.