54. 25% of the state loan scheme portfolio was allocated to women and youth.116 Finite number of women applied for the loan schemes.117 Women living in outer-islands remained unaware of regular loan schemes provided by SDFC.118 Figure 21. Loans Granted as of 27/10/2020, SDFC 55. Most women living in outer islands had limited access to loans due to a lack of formal job and collateral under their possession, such as ownership and control of land, farms and vehicles.119 56. Two programs were initiated by the state. “Covid-viyafaari-ehee-loan”120 for recovery of SMEs, self-employed/freelance individuals, and “Income-Support-AllowanceProgram” (ISAP) for individuals who have had their livelihoods affected after employment changes due to Covid-19 pandemic. Evidently, men benefitted from the two State initiated pandemic relief programmes. 15% female and 74% males were granted Covid-viyafaari-ehee-loan121 similarly, 27% of females and 73% males were granted ISAP.122 Figure 22. Ehee Loan Granted as of 27/10/2020, SDFC Figure 23. ISAP Granted as of 27/10/2020, MoF 57. Some women living in outer islands were unaware of the ISAP and those who were aware of it had difficulty in applying for ISAP due to lack of proper information received, tedious process of document submission, technological issues related to internet, difficulty in getting a bank statement. 25