Guinea has been unable to attract the capital necessary to exploit its immense potential because the country's business environment is unconducive to investment. The World Bank Doing Business Report (2013) notes the extreme difficulties associated with pursuing economic activities in Guinea, and ranks the country 175th out of 189 economies. Protecting investors, paying taxes, and getting credits were found the most problematic and their performance levels were below the average of sub-Saharan Africa. Guinea remains unattractive for FDI, owing to the high level of corruption in government and lack of transparency in the judicial system. According to the Transparency International Corruption Perceptions Index (CPI) (2013), Guinea was ranked 150th out of 177 countries. Moreover, as commercial matters are dealt with by the ordinary courts in Guinea, disputes between the State and foreign investors regarding application of the Investment Code are settled by other bodies. The United States Investment Climate Statement (2013) states that the Guinean judicial system, which has been historically underfunded, inefficient, and overtly corrupt, has consistently ruled in favour of government expropriation. Government officials, notably the Minister of Mines, wield enormous influence in judicial matters and decision-making. The high cost of and constraints on access to credit are also hampering the growth of a dynamic private sector. Because of the population's low purchasing power, the almost total lack of national savings that could be mobilized through traditional monetary channels, the absence of investment credits by a banking system which does not finance medium and long term operations, most private investment is self financed, or financed through microfinance schemes.