Difficulty in vaginal penetration. Pls.

I got married in Feb and I am facing pain and difficulty in vaginal penetration due to which me and my husband are not able to consummate our marriage till now. We have not been able to achieve complete penetration and my husband seem drawn away and he does not try to initiate any physical advancements 90% of the time even after reiterating that I am ready to bear the pain but we will have to try at regular intervals in order to do that but he is mostly tired due to his job schedule and additional financial responsibilities of his parents on him. I am not sure whether he is afraid to initiate as whenever we try I am mostly enduring pain or is this his own problems that are bothering him or both. I have to admit the problem stated is bothering me way too much now and I can't seem to get a solution. Humbly request your help pls. Thanks.