Women in development A/RES/72/234 36. Encourages all Governments to work towards full and equal access to formal financial services for all women, to adopt or review their financial inclusion strategies, in consultation with relevant stakeholders, and to consider including financial inclusion as a policy objective in financial regulation, in accordance with national priorities and legislation, encourages commercial banking systems to serve all, including those who currently face barriers to accessing financial services and information, and to support microfinance institutions, development banks, agricultural banks, mobile network operators, agent networks, cooperatives, postal banks and savings banks, as appropriate, also encourages the use of innovative tools, including mobile banking, payment platforms and digitalized payments, and the expansion of peer learning and experience-sharing among countries and regions, including regional organizations, commits itself to strengthening capacity development for developing countries, including through the United Nations development system, and encourages mutual cooperation and collaboration between financial inclusion initiatives; 37. Urges Governments and all relevant stakeholders to take all appropriate measures to eliminate discrimination against women with regard to their access to all types of financial services and products, including bank loans, bank accounts, mortgages and other forms of financial credit, regardless of their economic and social status, to support women’s access to legal assistance and to encourage entities in the financial sector to mainstream gender perspectives in their policies and programmes; 38. Recognizes the role of microfinance, including microcredit, in the eradication of poverty, the empowerment of women and the generation of employment, notes in this regard the importance of sound national financial systems, and encourages the strengthening of existing and emerging microcredit institutions and their capacities, including through the support of international financial institutions; 39. Urges Governments to ensure that microfinance programmes focus on the development of savings products that are safe, convenient and accessible to women and that support women’s efforts to retain control over their savings; 40. Recognizes that women and girls account for almost half of all international migrants at the global level and the need to address the special situation and vulnerability of migrant women and girls by, inter alia, incorporating a gender perspective into policies and strengthening national laws, institutions an d programmes to prevent and combat gender-based violence, trafficking in persons and discrimination against women and girls, and calls upon Governments to strengthen efforts to protect the rights of, and ensure decent work conditions for, domestic workers, including migrant women and girls, in relation to, inter alia, working hours, working conditions and wages, and to promote access to health-care services and other social and economic benefits; 41. Also recognizes the special needs of women and girls living in areas affected by complex humanitarian emergencies and in areas affected by terrorism, and that global health threats, climate change, more frequent and intense natural disasters, conflicts, violent extremism, as and when conducive to terrorism, an d related humanitarian crises and the forced displacement of people threaten to reverse much of the development progress made in recent decades and have particular negative impacts on women and girls that need to be comprehensively assessed and addressed; 42. Encourages Member States and the United Nations system to ensure systematic attention to, recognition of and support for the crucial role of women at all levels and at all stages in the prevention and resolution of conflict, in mediation and peacebuilding efforts and in the rebuilding of post-conflict societies, inter alia, by 17-23312 11/15