Small and micro enterprises are the outlets upon which the government and many development organizations rely to curb poverty and unemployment rates, including among the youth population. These small businesses, both formal and informal, help to absorb the local workforce. However, most young entrepreneurs lack the required financial services necessary to sustain themselves and grow. Currently only of Yemen’s population has access to financial services. 3 Youth have been historically excluded from the financial sector and, as a result, face limited options for building livelihoods for themselves and their families