$($a$).$Explain the concept of an enabling environment for financial inclusion. Further discuss the $5$ Pillars required to create such an environment for small businesses in Sub$-$Saharan Africa $($ specify with examples from different countries$).(15$ points$)$

b$.$ Explain the reasons why traditional banks often hesitate to lend to individuals and businesses in impoverished areas. Discuss the implications of this reluctance and potential solutions to promote financial inclusion. $(10$ Marks$)$ with specific subsaharan examples