CHAPTER 4 ? ? ? law on property rights. Define land ownership and improve access to land for investment through the elaboration of a policy of private land ownership for both Ghanaians and foreigners. Develop an effective, reliable and easily accessible land registry that will improve access to title and feed individual land registrations into a national registration system. Computerise fully the Lands Commission, and deeds and title registries. 51. Business registration ? ? ? Implement the Business Registration and Licensing Reform Strategy developed by Ernst and Young that comprehensively covers a range of relevant issues including a strategy for business registration and licensing; reforms for filing renewals and amendments, organisational and institutional reform; ICT reform; and legal reform. Continue decentralisation efforts. Ensure that decentralised offices are capacitated in human and institutional terms. 52. Access to finance ? ? ? ? Introduce a suitable legal framework to facilitate the operation of credit reference bureaus. Address the inadequacies identified in property titles and weak judicial enforcement of foreclosure processes. Find strategies for increasing banking competition. Address the wide interest rate margins in commercial lending. 53. SMEs ? ? ? ? 100 Increase government funding to SMEs timeously so that they do not become overburdened by government arrears. Ease lending requirements to SMEs and depoliticise access to these funds. Improve follow-up mechanisms to ensure the sustainability of SME support funds. Encourage firms to improve their corporate governance, recordkeeping, and