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by Guy Roland Noumigue, CAP Program Coordinator
Like most other countries in the world, the months of June, July and Augu are vacation time. After nine months of studies, young adults attending high school, colleges and university have during this period little to do, whether they are in rural or urban areas. It makes this interval a difficult time to manage. Some youth help their parents in agricultural or commercial activities. Others seek to volonteer in services, organizations or public and private enterprises. A few are able to save up or borrow money to start an income generating project. But most do not find these opportunities.

The June 2007 meeting in RELUFA's office to introduce CAP Holidays to students and their parents. |
RELUFA’s Credit Against Poverty program (CAP) has taken the need of this category into consideration and launched its first round of “CAP for Productive Holidays” loans. Through this special initiative CAP serves students from highschools and universities who are registered in a secondary or higher educational institution.
It took several stages to make the program operational: receiving the loan request, organizing an awareness building meeting with potential beneficiaries and their parents; the signing of loan agreements and the disbursement of funds; as well follow-up and loan repayments lateron in this period.

Young beneficiaries in Buea receive their loans. |
During a first meeting in June with the young candidates for CAP vacation loans and their parents, each youth presented the project he/she wanted to set up. Each presentation was followed by a discussion and exchange, which allowed for a few to review their projects, modifying the original proposal or changing the choice of project altogether. The loan disbursements took place after the young beneficiaries and their parents had signed the loan agreement.
Once the loan was given, follow-up visits were made to ensure the actual implementation of the project and to discuss with the beneficiaries how to manage the activity. Along the same lines of thought an mid-term evaluation gathering of these young entrepreneurials was organized at RELFA’s headquarters in August.
A total of 78 youth from different regions and towns in Cameroon have this way benefitted from the "CAP Holidays" initiative. The total amount CAP provided for these loans was 7 357 000 FCFA (about $16 000), and the amount per loan ranged from 32 000 FCFA to 100 000 FCFA each (about $71-210). The financed activities came from different sectors: agriculture, husbandry, textiles, restauration, production and sale of charcoal, processing foods (natural juicees, frying plantains and other snacks), small commerce of consumer goods (cosmetics, sports clothing, jewelry, t-shirts, shoes) etc. as well as from services, like telephone booths, sale of telephone credit cards, fixing of community water taps, etc.

Marie Elisabeth, Marina Claire and Guy Patrick with their products during the followup meeting of 13 August 2007 |
The diversity in activities shows in itself already the enthusiasme and cleverness of the youth. But CAP Holidays also had other positive impact: not only helped the income generating projects families pay for next year's studies and school supplies, the students also beat idleness and unemployment by developing a spirit of entrepreneurship, a sense of responsibility, and a taste for work routines. The program further nurtured better group mentality and helped build cohesion, unity, and understanding between familiy members. etc. ….
Several parents shared that the CAP Holidays initiative has allowed their sons and daughters to face realities of everyday life, to develop themselves, to employ their talents, their skills, their knowledge and their energy. They said the financial activities have strengthened the bond with their children. Besides the fact that parents stood guarantee for their children, they also have helped and accompanied the youth in their activities.
CAP Holidays: To be continued...
In a country like Cameroon where the largest part of the population is made up of youth, who are excluded from the formal circuits for financial support we believe and demonstrate that CAP Holidays make it possible to trust this underprivileged group of society. We encourage and support this type of initiative to overcome hunger and poverty and their faces of prostitution, delinquancy and the criminality. RELUFA is already making appointments with many other youths for next year's Vacation period.
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