This is the VOA Special English Education Report.
这里是美国之音慢速英语教育报道。
Imagine 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.
试想一下你失业了。如果你有一台较好的缝纫机，有点小资金可以做广告，你就可以在家开办缝制业务。但你无法从银行获得贷款。
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. Twelve 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.
最近一个时期，很多存在类似情况的人们得到了学生小额信贷组织的贷款。这类组织为企业或个人提供小额贷款。这12个组织属于一个名为校园小额信贷联盟的全国性网络的一部分。该联盟为其组织成员提供财政援助，技术咨询和培训课程。
Each group has between ten and seventy volunteers, many of them college students. They have enabled hundreds of people across the United States to launch small businesses.
每个组织有10到17名志愿者，其中多数是大学生。他们已经使得美国各地数百人得以创办自己的小企业。
Vanessa Carter is director of the alliance. She says bad economic times have sped the growth of the college microfinance movement.
瓦内萨·卡特（Vanessa Carter）是该联盟负责人。她表示，经济困难时期加快了高校小额信贷运动的发展。
VANESSA CARTER: "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."
卡特：“这真的开始了。因为学生离开校园，正是经济衰退严重时期，他们亲眼看到了封闭的企业和高失业率的影响。”
In Iowa, a student microfinance group at Grinnell College helps people both locally and internationally. The group started in two thousand seven. At that time, Grinnell student Jeff Raderstrong and some friends raised more than six hundred dollars from other students.
在爱荷华州，格林奈尔学院的一个学生小额信贷组织同时帮助本地和国际人士。该组织成立于2007年。当时，格林奈尔学院学生Jeff Raderstrong和一些朋友从其他学生那募集到了6百多美元。
The Saturday-night Grinnell tradition of missing a meal to help others enabled the group to make loans through the international microfinance organization, Kiva.org. The Social Entrepreneurs of Grinnell – SEG – was launched.
格林奈尔学院周六晚上少吃一顿饭帮助他人的传统使得该组织得以通过国际小额信贷组织Kiva.org发放贷款。简称为SEG的格林内尔社会企业家组织成立了。
Later, SEG moved toward making loans directly to international partners. But as time passed, the group started helping people in Iowa. Jeff Raderstrong remembers how that developed.
后来，SEG开始转为直接向国际合作伙伴提供贷款。 但随着时间推移，该组织开始帮助爱荷华州的人们。Jeff Raderstrong还记得这是如何发展起来的。
JEFF RADERSTRONG: "It sort of really quickly became clear that there was a lot that we could do in the community, in the Grinnell community. Because, you know, the town itself, there is some wealth but there is a lot of poverty, and it's is a lot of rural poverty."
JEFF RADERSTRONG：“我们在社区，在格林内尔社区可以做的有很多，这一点很快变得很清晰。因为你知道，该镇有一些富人，但也有很多穷人，这有很多农村贫民。”
Mark Root-Wiley was another early member of SEG. He says the group recognized that small targeted loans at zero-percent or low interest could help local residents. SEG money has helped people make car payments so they can get to their jobs. It also helped patients in need of temporary housing near the medical center where they receive treatment.
Mark Root-Wiley是SEG另一位早期成员。他说，该组织认为零利率或低利率小额针对性贷款可以帮助当地居民。SEG贷款已经帮助人们支付车款使他们能够去上班。它还帮助了居住在医疗中心附近的临时住所，并在医疗中心接受治疗的有需要的病人。
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