● All S.K.I. programs have charged interest on the loans, primarily to get the business runners used to the concept of paying interest on borrowing money. Generally the rates have been modest.

　　Conclusion

　　There is a need to recognize the importance of access to credit for poor young people seeking to fulfill economic needs.

　　21.The organization, S.K.I., aims to _________________.

　　A. give business training and loans to street children

　　B. provide schools and social support for street children

　　C. share the lessons S.K. I. learned to help street children

　　D. draw the attention of the government to street children

　　22.This passage implies that with the help of S. K. I. street children may_____________.

　　A. reject paid employment

　　B. set up their own business

　　C. leave their families

　　D. employ other children

　　23.Which of the following is NOT true according to the passage?

　　A. The link of all loans to training programs is important.

　　B. Interest is charged for the loans in all S.K.I. programs.

　　C. The S.K.I Bicycle Courier Service provides the participants with free bicycles.

　　D. The Youth Skills Enterprise Initiative in Zambia works with another organization.

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