Abstract
This study examines the challenges faced by micro, small, and medium-sized enterprises (MSMEs) in accessing financing in emerging economies. It highlights structural constraints on both the supply and demand sides. In the Angolan context, the research emphasizes the role of financial literacy and human resource qualifications in improving access to financing. A capacity-building framework is proposed to target key stakeholders across the financing ecosystem, including entrepreneurs, financial institutions, and public support entities. The study identifies significant gaps in skills, tools, and communication, which hinder effective project evaluation and financing processes. To address these issues, it suggests tailored training initiatives and the development of standardized tools to foster a common language and enhance coordination among stakeholders. The findings contribute to understanding mechanisms that can improve access to financing and support private sector development in emerging economies.

This publication has 8 references indexed in Scilit: