Furthermore, 355 UMURENGE SACCOs were given license to grant loans. The Fine Scope Survey of 2016 results show that 89% of the population has access to finance services surpassing the Government target that was set for 2017. Currently Rwanda ranks 2nd after Mauritius in sub-Saharan Africa in terms of financial inclusion. The banked population increased from 23% in 2012 to 26% in 2016 and informal inclusion moved from 57% in 2012 to 72% in 2016. 162. Concerning the retail payment systems, SIMTEL (a company that makes ATM cards) and Banks signed new agreements. This enabled the banks to issue more ATM cards and saw the number of Automated teller Machines (ATM) increasing from 73 in December 2010 to 126 in June 2011. Today more than 37 ATM machines accept international cards. Credit Reference Bureau (CRB) is operational and the usage of credit report by mandatory participants improved significantly for banks and microfinance institutions. Article 23-Peoples’right to national and international peace and security 163. According to domestic and international legal instruments, the responsibility for ensuring peace and security implicitly lies in the first place within the mandate of the State.37 However, individual citizens have the right and duty to safeguard peace, democracy, social justice and equality.38 For Rwanda, this responsibility has practically been shared by both the State and the citizens in the quest for maintenance of peace and security in the country, in the region and in the world. 164. Internationally, the Government of Rwanda has always shown its commitment to pursue peaceful solutions to regional and international conflicts. This is reflected by different negotiations to which Rwanda has played a significant role. The examples include: Arusha for Burundi conflict; Lusaka, Nairobi and Pretoria for DRC conflict; regional initiatives for Kenya post-elections conflict and interventions in peacekeeping missions in Darfur and Central Africa Republic (CAR), or through training of defence and security forces. 37 38 See for example the UN Charter or the African Charter (art. 23) Article 48 of the Constitution of the Republic of Rwanda of 2003 as revised in 2015. Page 58 of 105