301. As previously referred to, the challenge continues to be the promotion of social housing for the population, that is, low cost houses, in particular for youth. This is a result of the fact that shelter constitutes a good that is accessible to only small minority of persons and this can easily be proven by the very high interest rate37 for the purchase of a house or by looking at the renting prices used by estate agents and others. 302. Another important challenge to be taken into consideration by the competent authorities is related to access to land in particular to the rural population in specifically taking into account the booming of huge investments in the country that have been bringing lack of trust by the rural population where such investments are taking place. Indeed, a recent study by civil society organizations, the National Union of Peasants (UNAC) and the Justiça Ambiental (Environmental Justice) denounced the fact that huge projects in Mozambique, in the sectors of agro-business, tourism, and mining, have been creating more conflicts and worsening the situation of poverty and vulnerability of rural communities. This is because the majority of commitments declared during the “community consultations” are simply being ignored, taking benefit the existing mistakes in the process of law enforcement in the country. 38 303. In reference to the APR Panel´s recommendation to the need to encourage financing and microfinance, the reforms of legislation that regulates financial intermediation institutions, allow the expansion of coverage of banking services and to access to micro-finances. Indeed, presently, about 80 districts have one microfinance institution and this is also supported by the availability of the commonly known as ”7 Millions” in all districts of the country. 304. With reference to the APR Panel´s recommendation on the need to expand access to Information and Communication Technology (ICTs), the Government authorized the entry into operation of a new mobile telecommunication in the country (thus increasing the number to three) in this way expanding access to ICT in rural areas and among the most vulnerable groups. The Government also concluded the first phase of the Science and Technology Park in Maluana in the District of Manhiça with the establishment of Technological an Innovation Development Centre (CDT). In addition, the Government expanded the optical fibre network what contributed greatly to the improvement reliability and quality of communications. 305. In the context of expansion of access to knowledge through internet in rural communities, in 2010 and 2012 the Government concluded the creation of District Government Web pages (Alto-Molocùé, Morrumbene, Mocuba, Nacala, Cuamba, Moatize, Manhiça, Dondo, Chokwé and Gondola). Other Government initiatives in this context include the consolidation of community tale-centres with the objective of encouraging development in the rural areas by making available facilities for access to new information and communication technologies to rural communities thus combating digital and social exclusion. 306. However, despite this progress, and as is the case in the rest of the continent, Mozambique will be faced with a challenge at medium term in terms of widening its access to ICTs to an ever increasing number of the population in particular youth in order to face the challenges of 37 Normally 16 to 29%, with a very limited repayment period. UNAC & Justiça Ambiental (2011), Os Senhores da Terra (the Land Masters): (A preliminary analysis of Land Seizure Phenomenon in Mozambique) Análise Preliminar do Fenómeno de Usurpação de Terra em Moçambique, Maputo 38 96