This study examines the determinants of youth financial inclusion and its impacts on their willingness to become entrepreneurs in Mali. The World Bank's Global Findex database is used to perform Logit estimations and propensity score matching. We find that the financial inclusion of youth seems to be more determined by the attainment of a high level of education, employment status, living in a wealthy family, and having at least one family member with a bank account. Three factors appear as barriers to better financial inclusion of youth: the cost of financial services, the lack of money, and the perception that financial services, savings in particular, are not a necessity. The study also shows that savings and loans have a statistically significant impact on the willingness to engage in entrepreneurial activity, even in the agricultural sector. Particularly for young people, providing them with loan services seems to have more impact than other financial services on the desire to undertake agri-entrepreneurial activity. The study recommends the strengthening of public policies aimed at expanding credit to youth because of its high impact on their willingness to engage in entrepreneurship in general and in agri-preneurship in particular in Mali.

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青年的金融包容性和创业意愿：来自马里的证据

本研究探讨了青年金融包容性的决定因素及其对马里成为企业家的意愿的影响。世界银行的全球 Findex 数据库用于执行 Logit 估计和倾向得分匹配。我们发现，青年人的普惠金融似乎更多地取决于受教育程度、就业状况、生活在富裕家庭以及至少有一个家庭成员拥有银行账户。三个因素似乎是阻碍青年更好地金融包容的障碍：金融服务的成本、资金的缺乏以及认为金融服务，尤其是储蓄不是必需品的看法。该研究还表明，储蓄和贷款对从事创业活动的意愿具有统计学意义的影响，甚至在农业领域。特别是对于年轻人来说，为他们提供贷款服务似乎比其他金融服务对从事农业创业活动的愿望产生更大的影响。该研究建议加强旨在扩大对青年的信贷的公共政策，因为这对他们总体上从事创业，特别是在马里从事农业创业的意愿有很大影响。