Difficulty of access for young entrepreneurs to credit without guarantees: Another problem hindering self-employment in Benin

In Benin, young entrepreneurs face challenges in accessing financing due to the requirement for material guarantees by financial institutions. Despite public initiatives like the National Microfinance Fund, there is a gap between the microcredits offered and the actual needs of small and medium enterprises. Young graduates, even with solid projects, encounter financial obstacles that hinder their self-employment.