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  3. Micro-Enterprise Credit for Street Youth A)Although small-scale business training and credit programs have become more common th

Micro-Enterprise Credit for Street Youth A)Although small-scale business training and credit programs have become more common th

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问题                     Micro-Enterprise Credit for Street Youth
A)Although small-scale business training and credit programs have become more common throughout the world, relatively little attention has been paid to the need to direct such opportunities to young people. Even less attention has been paid to children living on the street or in difficult circumstance.
B)Over the past nine years, Street Kids International(S.K.I.)has been working with partner organizations in Africa, Latin America and India to support the economic lives of street children. The purpose of this paper is to share some of the lessons S.K.I and our partners have learned.
C)Typically, children do not end up on the streets due to a single cause, but to a combination of factors: a dearth of adequately funded schools, the demand for income at home, family breakdown and violence. The street may be attractive to children as a place to find adventurous play and money. However, it is also a place where some children are exposed, with little or no protection, to exploitative employment, urban crime, and abuse.
D)Children who work on the streets are generally involved in unskilled, labour-intensive tasks which require long hours, such as shining shoes, carrying goods, guarding or washing cars, and informal trading. Some may also earn income through begging, or through theft and other illegal activities. At the same time, there are street children who take pride in supporting themselves and their families and who often enjoy their work. Many children may choose entrepreneurship because it allows them a degree of independence, is less exploitative than many forms of paid-employment, and is flexible enough to allow them to participate in other activities such as education and domestic task.
E)S.K.I, has worked with partner organizations in Latin America, Africa and India to develop innovative opportunities for street children to earn income.
F)The S.K.I. Bicycle Courier Service first started in the Sudan. Participants in this enterprise were supplied with bicycles, which they used to deliver parcels and messages, and which they were required to pay for gradually from their wages. A similar program was taken up in Bangalore, India.
G)Another successful project, The Shoe Shine Collective, was a partnership program with the Y.W.C.A. in the Dominican Republic. In this project, participants were lent money to purchase shoe shine boxes. They were also given a safe place to store their equipment, and facilities for individual savings plans.
H)The Youth Skills Enterprise Initiative in Zambia is a joint program with the Red Cross Society and the Y.W.C.A. Street youths are supported to start their own small business through business training, life skills training and access to credit.
I)The following lessons have emerged from the programs that S.K.I, and partner organizations have created.
J)Being an entrepreneur is not for everyone, nor for every street child. Ideally, potential participants will have been involved in the organization’ s programs for at least six months, and trust and relationship building will have already been established.
K)The involvement of the participants has been essential to the development of relevant programs. When children have had a major role in determining procedures, they are more likely to abide by and enforce them. It is critical for all loans to be linked to training programs that include the development of basic business and life skills.
L)There are tremendous advantages to involving parents or guardians in the program, where such relationships exist. Home visits allow staff the opportunity to know where the participants live, and to understand more about each individual’ s situation.
M)Small loans are provided initially for purchasing fixed assets such as bicycles, shoe shine kits and basic building materials for a market stall. As the entrepreneurs gain experience, the enterprises can be gradually expanded and consideration can be given to increasing loan amounts. The loan amount in S.K.I, programs have generally ranged.
N)All S.K.I, programs have charged interest on the loans, primarily to get the entrepreneurs used to the concept of paying interest on borrowed money. Generally the rates have been modest(lower than bank rates.)
O)Conclusion There is a need to recognize the importance of access to credit for impoverished young people seeking to fulfil economic needs. The provision of small loans to support the entrepreneurial dreams and ambitions of youth can be an effective means to help them change their lives. However, we believe that credit must be extended in association with other types of support that help participants develop critical life skills as well as productive businesses.
The children are required to pay back slightly more money than they borrowed due to the modest rates.
选项
答案N
解析 题干意为，因为较低的利息，儿童归还的钱只需比他们借的多一点。根据题干关键词“modest rates”定位至N段。所有的计划都会对贷款收取利息．但一般利息很低。可知，加之利息，还钱时要多出借钱时的数量。
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