大学生进入小额信贷业(1/2)
概括: 学生小额信贷组织以零利率或低利率小额针对性贷款帮助当地困难居民。Hints:
Campus Microfinance Alliance
Vanessa Carter
Iowa
Grinnell College
Grinnell
Jeff Raderstrong
翻译：Superabit
校对：不睡漫漫
组长：zpdslshhz
答疑：trans0829http://t1.g.hjfile.cn/listen/201202/201202250956453391610.mp3Imagine that you have lost your job. You could start a sewing business at home if you had a better sewing machine and a little money to advertise. But you cannot get a loan from a bank.
In recent times, many people in similar situations have received loans from student microfinance groups. Such groups make small loans for business or personal use. 12 of the organizations are part of a national network called Campus Microfinance Alliance. The Alliance provides financial aid, technical advice and training programs for its member groups.
Each group has between ten and 70 volunteers, many of them college students. They have enabled hundreds of people across the United States to launch small businesses.
Vanessa Carter is director of the alliance. She says bad economic times have sped the growth of the college microfinance movement.
"This really got started because students were walking off campus, it was the height of the economic recession, and they were seeing boarded-up businesses and the effects of high unemployment first hand."
In Iowa, a student microfinance group at Grinnell College helps people both locally and internationally. The group started in 2007. At that time, Grinnell student Jeff Raderstrong and some friends raised more than $600 from other students.想象你失去了自己的工作，那么如果你有更好的缝纫机和一点资金做广告的话，你就可以在家做做缝纫生意。但是你无法从银行得到贷款。
最近，很多有相同遭遇的人从学生的小额金融组织那里得到了贷款。这样的组织为商业和个人提供小额贷款。该类组织共计12个，隶属于一个名为校园小额金融联盟的全国联网性团体。这个联盟给其成员组织提供金融援助、技术指导和训练计划。
每个组织有10到70个志愿者，其中不少人是大学生。他们已经帮助全美国数百计的人启动了小型的生意。
Vanessa Carter是这个联盟的主管，她说糟糕的社会经济局面促进了校园小额金融行业的发展。
“其发展得益于当学生们走出校园时，不得不面对经济衰退浪潮下最困难时期：企业倒闭，失业率居高不下。”
在衣阿华州，格林内尔学院的一处学生小额金融组织不仅帮助本地人，也帮助国际人士。这个组织在2007年成立，那时，格林内尔学院的学生 Jeff Raderstrong和一些朋友从其他同学那里募集到了超过600美元的资金。
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