Over 87% of rural women are excluded from financial services, majority of whom (62%) are youth females below
36 years. Over 13.3% of youths are unemployed and those who are employed are highly likely to be
underemployed, in precarious and non-rewarding work, or in jobs that cannot offer decent incomes. 83.5% of
the Ugandan population aged between 15-29 work in informal jobs, and that figure is 10% higher for young
women. In rural communities, young women lack the collateral to access and utilise credit and on other hand
financial institutions are concentrated in urban areas. This leaves out a big percentage of youths who are in
rural communities.


There are several barriers for youths, especially young women, to access financial services including the
perception that they (financial services) expensive, illiteracy, long distances to financial service providers, lack
of collateral for credit among others. Despite having brilliant entrepreneurship ideas, there are limited doors to
opportunity and knowledge about existing youths and women support programs.

Access to financial services plays a critical role in enhancing economic growth and reducing inequalities. Inclusive financial systems allow the rural poor to insure themselves against economic vulnerability, to save and borrow, to build their assets, invest and improve their livelihoods. YETU under this program focuses on establishing and strengthening youth savings and credit groups, mobilizing funds to build a credit pool and building the knowledge/skills of youths in entrepreneurship, financial literacy, business/soft skills and other work readiness skills