It's not that easy how you mentioned the things here. Friends barely trust young entrepreneurs without any experience. For example, let's say I want to open a shop and I ask my friends to help me with some money. Most of them will deny it because I don't have experience in this field. Microfinance NGOs does not give loan to any start-up. They give loans to existing businesses only. For example, you have a shop and you have to show them it to get a loan. They won't give you a loan to start your business. If you talk about loans from governments, it's impossible in my country. I have never seen anyone getting a loan from the government. I never heard about it. I don't know if it exists or not.