The Commonwealth Youth Credit Initiative Toolkit

image of The Commonwealth Youth Credit Initiative Toolkit
The CYCI Toolkit is an innovative publication which will help governments, development agencies and NGOs to implement micro-credit programmes modelled on the Commonwealth Youth Credit Initiative. Its structure is sufficiently flexible to meet the differing needs of a range of users, presenting a menu of options that are adaptable to specific national and local circumstances.

The book is divided into four parts. The first part, the CYCI overview, is an introduction to the CYCI model which familiarises users with the major issues and practical steps involved in initiating a micro-credit programme. As well as defining basic terms and concepts and providing background information about micro-credit, it presents an overview of the enabling environment, and defines the roles of the various stakeholders. It also includes a comprehensive reading list and useful contact addresses. Part 2 gives the guidelines for CYCI implementation. This module presents an overview of the CYCI programme cycle, and provides detailed information about the steps to be taken in the earlier phases of the cycle. The third part, on management, monitoring and evaluation provides specific guidelines on the management of a CYCI programme. It presents an overview of the programme cycle, and provides detailed information about two specific phases: general management/loan disbursal/repayment collection, and monitoring/evaluation/reporting. It also includes information on designing the loan package and on general management of the programme. In Part 4, covering training resources, there are specific guidelines on providing the various types of training included in the CYCI model. This section is a trainer's guide to the provision of such training, and includes guidelines for the training of trainers and for the provision of training to the beneficiaries of the CYCI.



Orientation Course

The Orientation Course provides personnel from the lead agency with the information they require to initiate a micro-credit and micro-enterprise development programme based on the CYCI model. Since it presents a general overview of micro-credit and the CYCI, it may also be useful for other personnel besides those directly involved in implementing the initiative: finance, development planning, education and trade policy makers could benefit from gaining an appreciation of the CYCI approach and integrating an awareness of it into their own field of activity. Furthermore, it may be advisable to invite representatives of commercial banks and financial institutions to the course, to raise their awareness of how micro-credit works and how it differs from their usual practice.


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