Indeed, when asked whether youth are asked whether they have access to the money needed to start a business, youth in Tunisia are much less likely to respond in the affirmative than youth in OECD countries (Figure 3.5) and ILO and ONEQ (2014) estimate that approximately half of self-employed youth used their own savings to set up a business and a further 37% relied on their families. To address this obstacle, ANETI awards up to TND 5 000 to each entrepreneur, as long as they provide proof of the necessary' competencies, training or experience and dedicate themselves fulltime to their project. In addition to these grants, loans have been available (A 'timed el Intilak [Seed Funding]) since 2011 to complete the financing required in order to obtain a small enterprise loan from the BTS. These A 'timed el Intilak loans are interest-free and need to be repaid over a period of five years.