Credit institutions make small loans for the repair of existing houses and larger loans (amounting to almost the total cost of the house) for the construction of new houses. Because of their higher credit rating, salaried civil servants and employees of trading companies receive most of the loans. The government has established a national habitation fund, and there have been a number of urban renewal projects. As of 2000, 73% of urban and 55% of rural dwellers had access to improved water sources. About 25% of urban and 4% of rural dwellers had access to improved sanitation systems.