在网上买了Cambridge Enlish教材，看到剑桥雅思4 Micro-Enterprise Credit for Street Youth 翻译-Test 3-Passage 1这篇文章就会明白为流浪儿童提供的小型企业贷款的重要性，开始看Cambridge Enlish这些教材时好多单词不认识，只好在手机上安装app一个一个单词的查，笔者开始看这个教材时没有按照顺序看，拿着剑桥雅思4书就开始了；但看到阅读时，一是太长，二是好多单词不认识，于是为了加深理解，将教材自已用 google 翻译出来放这，帮助有需要的人。
Micro-Enterprise Credit for Street Youth 翻译
Micro-Enterprise Credit for Street Youth 翻译引言
‘I am from a large, poor family and for many years we have done without breakfast. Ever since I joined the Street Kids International program I have been able to buy my family sugar and buns for breakfast. I have also bought myself decent second-hand clothes and shoes.’
‘We’ve had business experience. Now I’m confident to expand what we’ve been doing. I’ve learnt cash management, and the way of keeping money so we save for reinvestment. Now business is a part of our lives. As well, we didn’t know each other before – now we’ve made new friends.’
Micro-Enterprise Credit for Street Youth 翻译正文
剑桥雅思4 Micro-Enterprise Credit for Street Youth 翻译-Test 3-Passage 1 讲述了介绍了某个帮扶流浪儿童的计划。文章带上引入一共分为六部分，分别是关于使用者的感受、简介、背景、具体的援助计划、从中得到的经验教训、以及最后的结论。以下是剑桥雅思4 Micro-Enterprise Credit for Street Youth 翻译：
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 streets or in difficult circumstances.
Over the past nine years, Street Kids International (S. K. I.) has been working with partner organisations 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.
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.
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 tasks.
街头商业伙伴关系（Street Business Partnerships）
S. K. I. has worked with partner organisations in Latin America, Africa and India to develop innovative opportunities for street children to earn income.
- 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.
- 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.
- 另一个成功的项目Shoe Shine Collective是与多米尼加共和国的Y.W.C.A的伙伴关系计划。在该项目中，参与者借钱购买擦鞋盒。项目还为他们提供了一个存放设备的安全场所，以及用于个人储蓄计划的设施。
- 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.
The following lessons have emerged from the programs that S. K. I. and partner organisations have created.
Being an entrepreneur is not for everyone, nor for every street child. Ideally, potential participants will have been involved in the organisation’s programs for at least six months, and trust and relationship-building will have already been established.
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.
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.
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 amounts in S. K. I. programs have generally ranged from US $30-$100.
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).
There is a need to recognise 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.
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