16 H U M A N R I G H T S COMMISSION | A FAIR GO FOR ALL? of structural discrimination. Mäori face barriers to home ownership, for example, in not being able to provide papakäinga (multiple-owned) land as collateral to banks when seeking loans. The käinga whenua loan scheme, introduced in February 2010, seeks to remedy this barrier.67 Failure to address the root causes of these socio-economic inequities, including poverty, is itself a form of structural discrimination. The continuing gap in socio-economic indicators between ethnic groups underscores the need to tackle structural sources of inequality. As such, a comprehensive policy approach should take into account and seek to address both structural barriers to equality and embedded social and economic factors.