Micro Enterprise Credit For Street Youth Reading Answers

Micro Enterprise Credit For Street Youth reading answers practice test is provided with answers and explanation. This passage comprises 13 questions divided into four question types that are Yes/No/Not given, Multiple choice questions and Table completion.

Table of contents:

• Solution for Micro Enterprise Credit For Street Youth
• Micro Enterprise Credit For Street Youth IELTS Reading Practice Test
• Passage
• Questions
• Answers with Explanations

Solution for Micro Enterprise Credit For Street Youth

Micro Enterprise Credit For Street Youth reading answers are given in the table below. Cross verify your answers with ours and correct the wrong answers.

Answer Table

1. A	5. Sudan and India	9. No	13. A
2. D	6. Bicycles	10. Not given
3. C	7. Shoe shine	11. No
4. C	8. Life skills	12. Yes

Micro Enterprise Credit For Street Youth IELTS Reading Practice Test - Exam Review

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Micro Enterprise Credit For Street Youth IELTS reading answers are given here, which will help you practise your reading module. This IELTS reading practice test is to make you ready for the actual IELTS examination. Strategies can help you easily crack your IELTS reading test. For instance, skimming and scanning will help to solve the passage faster, leaving time to proofread answers at the end of the IELTS Reading test.

Passage

We’ve provided the reading passage of ‘Micro Enterprise Credit For Street Youth’. Read the passage and solve the questions carefully.

Micro-Enterprise Credit for Street Youth

"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."

Doreen Soko

'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 re-investment. Now business is a part of our lives. As well, we didn't know each other before - now we've made new friends.'

Fan Kaoma

Participants in the Youth Skills Enterprise Initiative Program, Zambia
  
Introduction

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 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.
 
Background

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 use 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.
 
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 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.

• 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.
 
Lessons learned

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).

Conclusion

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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Great thanks to volunteer Tiffany Thuy Do has contributed these explanations and question markings.
If you want to make a better world like this, please contact us.

Questions

Questions 1-4
Choose the correct letter, A, B, C or D.
Write your answers in boxes 1-4 on your answer sheet.
 
1. The quotations in the box at the beginning of the article
A.  exemplify the effects of S.K.I.
B.  explain why S.K.I. was set up.
C.  outline the problems of street children.
D.  highlight the benefits to society of S.K.I.
 
2. The main purpose of S.K.I. is to
A.  draw the attention of governments to the problem of street children.
B. provide schools and social support for street children.
C. encourage the public to give money to street children.
D. give business training and loans to street children,
 
3. Which of the following is mentioned by the writer as a reason why children end up living on the streets?
A.  unemployment
B.  war
C.  poverty
D.  crime
 
4. In order to become more independent, street children may
A.  reject paid employment.
B.  leave their families.
C.  set up their own businesses.
D.  employ other children.

Questions 5-8

Complete the table below.
Choose NO MORE THAN THREE WORDS from Reading Passage for each answer.
Write your answers in boxes 5-8 on your answer sheet.

Country	Organisations Involved	Type of Project	Support Provided
5._____	• S.K.I.	courier service	• provision of 6._____
Dominican Republic	• S.K.I. • Y.W.C.A.	7._____	• loans • storage facilities • savings plans
Zambia	• S.K.I. • The Red Cross • Y.W.C.A.	setting up small businesses	• business training • 8._____ training • access to credit

Questions 9-12

Do the following statements agree with the claims of the writer in Reading Passage?
In boxes 9-12 on your answer sheet write

YES if the statement agrees with the claims of the writer
NO if the statement contradicts the claims of the writer
NOT GIVEN if it is impossible to say what the writer thinks about this
 
9. Any street child can set up their own small business if given enough support.
10. In some cases, the families of street children may need financial support from S.K.I.
11.Only one fixed loan should be given to each child.
12. The children have to pay back slightly more money than they borrowed.

Questions 13

Choose the correct letter, A, B, C or D.
Write your answer in box 13 on your answer sheet.
13. The writers conclude that money should only be lent to street children:
A.  as part of a wider program of aid.
B.  for programs that are not too ambitious.
C.  when programs are supported by local businesses.
D.  if the projects planned are realistic and useful.

Answers for Micro Enterprise Credit For Street Youth with Explanations

Micro enterprise credit for street youth reading answers with explanation is given below. Refer to the following answers with an explanation section in order to correct your errors.

(Note: The text in italics mentions the location and referring lines written in the reading passage.)

1. Answer: A

Explanation: In the first paragraph, “Ever since I joined the Street Kids International program I have been able to buy my family sugar and buns for breakfast”. 

2. Answer: D

Explanation: In the first two lines of Paragraph 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”.

3. Answer: C

Explanation: In the first two lines of paragraph Background, “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”.

4. Answer: C

Explanation: In the second subparagraph fourth line of the paragraph Background, “ Many children may see entrepreneurship because it allows them a degree of independence”.4. 

5. Answer: Sudan and India

Explanation: In the second paragraph, the second line of the introduction paragraph, “America and India to support the economic lives of street children”. And In the second paragraph first line of paragraph Street Business Partnerships, “The S.K.I. Bicycle Courier Service first started in the Sudan”.

6. Answer: Bicycles

Explanation: In the second line of subparagraph of paragraph Street Business Partnership, “bicycles, which they used to deliver parcels and messages”.

7. Answer: Shoe Shine

Explanation: In the third paragraph of Street Business Partnership paragraph, “Another successful project, The Shoe Shine”.

8. Answer: Life Skills 

Explanation: In the fourth paragraph of Street Business Partnership paragraph, “youths are supported to start their own small business through business training, life skills training and access to credit”.

9. Answer: No

Explanation: In the first point of Lessons learned paragraph, “Being an entrepreneur is not for everyone, nor for every street child”.

10. Answer: Not given

Explanation:  —

11. Answer: No

Explanation: In the fifth line of paragraph lessons learned, “Small loans are provided initially for purchasing fixed assets such as bicycles, shoe shine kits and basic building materials for a market stall”.

12. Answer: Yes

Explanation: In the sixth line of paragraph lessons learned, “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”.

13. Answer: A

Explanation: In the last two lines of conclusion paragraph, “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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