Ownership rights cover women's right and de facto access to several types of property. It includes three variables:

• women's access to land measures women's right and de facto access to agricultural land;
• women access to property other than land measures women's right and de factor access to other types of property, especially immovable property;
• women's access to credit measures women's right and de facto access to bank loans; even though women generally have the legal right to obtain credit, they frequently face restrictions as banks may ask the written permission of a woman's husband or require land a collateral which women are frequently deprived of.