scholarly journals Student Loans Financing in Tanza:

2021 ◽  
Vol 8 (1) ◽  
pp. 91-115
Author(s):  
Hillary A. Dachi
Keyword(s):  
Higher Education ◽  
Low Income ◽  
Higher Education Policy ◽  
Student Loans ◽  
Student Loan ◽  
Education Student ◽  
Means Testing ◽  
The Public ◽  
Policy Objectives ◽  
Financing Higher Education

This study examined the mechanisms employed to finance student loans in Tanzania and who benefits and how. The findings show that student loans are financed by the public exchequer. The number of students fromhigh-income families accessing these loans is disproportionate to their representation in Higher Education Institutions, while the share for middle and low-income students reflects their representation. There is also animbalance between male and female beneficiaries across programmes, notably in the Science, Technology, Engineering, and Math (STEM) disciplines. It is concluded that such disparities are the result of the fact thatthe student loan scheme seeks to satisfy a number of government policy objectives in relation to higher education beyond access and equity, and that means testing is not rigorously conducted. Key words: Higher Education, higher education policy, financing higher education, higher education student loans, public subsidisation of higher education

scholarly journals Financing Higher Education through Student Loans: An Examination of Student Loan Take up and the Debt Burden among Ghanaian Tertiary Students

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Stanley Kojo Dary ◽  
Harvey S. James
Keyword(s):  
Higher Education ◽  
Student Loans ◽  
Student Loan ◽  
Debt Burden ◽  
Income Sources ◽  
West Region ◽  
Study Programme ◽  
Loan Debt ◽  
Financing Higher Education ◽  
Socio Economic Factors

This article examines the factors influencing demand for student loans from Ghana’s Student Loan Trust Fund (SLTF) and the loan debt burden at completion using a sample of 400 final-year students in two higher education institutions in the country’s Upper West Region. The results show that both the loan take up rate and the loan debt burden among students are relatively low. Demand for student loans and the loan debt burden is modelled as probit and Tobit (left censored), respectively. The results reveal that student age, household size, parents’ occupation, salary, number of income sources, and the length of the study programme play a significant role in explaining demand for student loans and the loan debt burden at completion among tertiary students. These socio-economic factors should thus inform the design and administration of student loans.

scholarly journals Financing Higher Education through Student Loans: An Examination of Student Loan Take up and the Debt Burden among Ghanaian Tertiary Students

2019 ◽  
Vol 5 (1) ◽  
Author(s):  
Stanley K Dary ◽  
Harvey S. James
Keyword(s):  
Higher Education ◽  
Student Loans ◽  
Student Loan ◽  
Trust Fund ◽  
Debt Burden ◽  
Income Sources ◽  
Study Programme ◽  
Loan Debt ◽  
Financing Higher Education ◽  
Socio Economic Factors

This article examines the factors influencing demand for student loans from Ghana’s Student Loan Trust Fund (SLTF) and the loan debt burden at completion using a sample of 400 final-year students in two higher education institutions in the country’s Upper West Region. The results show that both the loan take-up rate and the loan debt burden among students are relatively low. Demand for student loans and the loan debt burden is modeled as probit and Tobit (left censored), respectively. The results reveal that student age, household size, parents’ occupation, salary, number of income sources, and the length of the study programme play a significant role in explaining the demand for student loans and the loan debt burden at completion among tertiary students. These socio-economic factors should thus inform the design and administration of student loans.Cet article étudie les facteurs qui influencent les demandes de prêts étudiants auprès du Student Loan Trust Fund (SLTF, Fonds pour le prêt étudiant) du Ghana et le poids de l’endettement à la fin des études, à partir d’un échantillon de 400 étudiants en dernière année dans deux établissements d’enseignement supérieur de la région du Haut Ghana Occidental. Les résultats démontrent que le nombre de demandes de prêt et le poids de l’endettement sont relativement faibles chez les étudiants. Les demandes de prêts étudiants et le poids de l’endettement sont analysés respectivement avec des modèles probit et tobit (censure à gauche). Les résultats indiquent que l’âge des étudiants, la taille du foyer, la profession des parents, le salaire, le nombre de sources de revenus et la durée de la formation permettent en grande partie d’expliquer les demandes de prêts étudiants et le poids de l’endettement à la fin des études pour les étudiants issus de l’enseignement supérieur. Ces facteurs socio-économiques devraient avoir un impact sur la conception et la gestion des prêts étudiants. 

scholarly journals Adaptation of the ADKAR Model to the Management of the Higher Education Student Loan Scheme in Uganda

2019 ◽  
Vol 11 (1) ◽  
pp. 45-57
Author(s):  
Hilary Tusiime Mukwenda
Keyword(s):  
Higher Education ◽  
Change Management ◽  
Interest Rates ◽  
Student Loans ◽  
Major Change ◽  
Student Loan ◽  
Management Model ◽  
Education Student ◽  
Step Process

The financing of higher education through student loan schemes is a recent phenomenon in Uganda. It constitutes a major change in the financing of higher education in the country and, naturally, it has not been without controversy. Its processes have posed challenges to both its beneficiaries and implementers. For instance, the loan policy’s sustainability is yet to be guaranteed. It is with this understanding that this paper discusses how application of the ADKAR change management model can promote the performance and sustainability of the policy. Designed to help individuals and organisations, the model prescribes a five-step process towards adopting change and leveraging its power to bring about improvement by enhancing ability to confront new situations. In this paper, this process is proposed for ensuring effective disbursement of student loans, determination of interest rates and recovery of the loans from borrowers.

scholarly journals Cost and Financing Higher Education by Nepalese Student in Australia, Student Loans and Role of Bank in Nepal

1970 ◽  
Vol 1 (1) ◽  
pp. 46-62
Author(s):  
Kshitiz Upadhyay-Dhungel ◽  
Shreeram Lamichhane
Keyword(s):  
Higher Education ◽  
Foreign Students ◽  
Student Loans ◽  
Educational Institution ◽  
Relevant Literature ◽  
Student Loan ◽  
Further Education ◽  
High Interest Rate ◽  
Financing Higher Education

In the last few decades, lots of youth have migrated to foreign lands from Nepal for their study. An estimated 20,000 students leave the country annually to pursue their further education abroad and a huge sum of more than NRs 2000 million outflows for this purpose. United Kingdom (UK), United States of America (USA), Australia are the preferred destinations of Nepalese students. In recent days, Australia has been found as the top destination for them. Currently, Nepal stands in the 6th position in terms of number of foreign students studying in Australia. So, in this study we attempted to find the cost of living and studying in Australia by Nepalese students, source of funding and the role of Nepali banks in providing support to these students. As research participants, students residing in Australia for their higher study were selected through random sampling. A set of questionnaire was prepared by reviewing relevant literature survey. Fifty participants (randomly selected) were contacted through e-mail. Only 16 of them filled up the questionnaire completely and returned (response rate, 32%). Later on after tabulation of data, two information rich respondents were purposefully selected for detail study. They were regularly contacted through email and through Skype internet chatting was done. Cost of migration, living and study is very high in Australia. Students were found meeting their cost requirements through various sources. Among them family was the initial source of funding and at the later stage seemed to be mitigated their educational and survival expenses through part time job, scholarships and stipends. None of them were found to have education loan as a source of educational funding. Hence the role of bank is not apparent. Provisions of collateral, complex documentation procedures and high interest rate for student loan are the reasons why students are not interested in education loans. Education loan market can be the area where banks can think of investment. Furthermore subsidised rate of interest and easy documentation and repayment system can lure the students to take loans. This can also be worked out with collaboration with government or Educational institution as practised in other parts of world. Further in depth study of similar kinds is recommended. Key words: Education loan; student loan; financing higher education; repayment; role of bank DOI: http://dx.doi.org/10.3126/bj.v1i1.5143 Banking Journal Vol.1(1) 2011: 46-62

scholarly journals Widening access to higher education for low-income students: a Brazilian case study (1990s-2016)

2018 ◽  
Vol 23 (0) ◽  
Author(s):  
LEONARDO CIVINELLI TORNEL DA SILVEIRA
Keyword(s):  
Higher Education ◽  
Low Income ◽  
Student Loans ◽  
Higher Education Institutions ◽  
Access To Higher Education ◽  
Higher Education Access ◽  
Widening Access ◽  
Education Participation ◽  
The Government ◽  
The Impact

ABSTRACT This article analyses the widening access policies implemented by Brazil during the 1990s and in 2016. It cites and evaluates the different strategies used by the government, such as student loans, needs-based and race-based quotas. In the context of a highly privatized sector, in which for-profit higher education institutions account for over half of the existing higher education institutions in Brazil, the results display a relative growth in higher education access based on minorities and needs-based communities. However, it also showcases some trends not achieved as originally planned by the government (specially increasing higher education participation in regions other than the south and the southeast) and serves as a point requiring further research to evaluate the influence on the lives of students and graduates. This study uses government and publicly available sources to analyse the impact of this strategy over time.

Conceptualising quality following conflict: Afghanistan’s higher education policy

2019 ◽  
Vol 9 (4) ◽  
pp. 441-451
Author(s):  
Daniel Couch
Keyword(s):  
Higher Education ◽  
Economic Growth ◽  
Quality Assurance ◽  
Education Policy ◽  
Low Income ◽  
Higher Education Policy ◽  
National Development ◽  
Structured Interviews ◽  
Content Type ◽  
Critical Conversation

Purpose The purpose of this paper is to examine the dominant conceptualisation of quality in Afghanistan’s higher education strategic planning and policies, and consider the implications a broader conceptualisation of quality might have within Afghanistan’s conflict-affected context. Design/methodology/approach Drawing on data from document analysis and semi-structured interviews, the author identifies the dominant policy conceptualisation of quality. Findings The dominant conceptualisation of quality in Afghanistan’s higher education policy documents aligns with the sector’s primary policy purpose of promoting economic growth. However, quality assurance processes were developed with significant input from international actors, and replicate global norms for quality assurance. Whilst this is important for validity and legitimacy, at the same time it can be delegitimising for local stakeholders, and can limit opportunities for conceptualisations of quality which genuinely engage with the particularities of Afghanistan’s broader conflict-affected social context. Research limitations/implications Introducing conceptualisations of quality in Afghanistan’s higher education policy which de-centre economic growth, and rather re-position social goals of cohesion and political sustainability as a central understanding of quality higher education, opens possibilities for the sector’s contribution towards national development. Originality/value There is limited published research into conceptualisations of quality within low-income and conflict-affected higher education contexts in general, and Afghanistan in particular. This paper intends to extend a critical conversation about the non-economic dividends a quality higher education sector can offer in such contexts.

What Are The Alternatives To Student Loans In Higher Education Funding?

2010 ◽  
Vol 3 (1) ◽  
pp. 19 ◽  
Author(s):  
Anthony Stokes ◽  
Sarah Wright
Keyword(s):  
Higher Education ◽  
Financial Market ◽  
Financial Support ◽  
Student Loans ◽  
Student Loan ◽  
Education Funding ◽  
Higher Education Funding ◽  
The Government ◽  
Market Instability ◽  
The Cost

In a period of student loan scandals and U.S. financial market instability impacting on the cost and availability of student loans, this paper looks at alternative models of higher education funding. In this context, it also considers the level of financial support that the government should provide to higher education.

scholarly journals Making and Becoming the Undocumented and the Illegal: Discourses of Immigration and American Higher Education Policy

2017 ◽  
Vol 25 ◽  
pp. 31 ◽  
Author(s):  
Ryan Evely Gildersleeve
Keyword(s):  
Higher Education ◽  
Higher Education Policy ◽  
Dream Act ◽  
Departure Point ◽  
Policy Regime ◽  
The Public ◽  
American Higher Education ◽  
Tuition Policy ◽  
State Resident ◽  
Policy Texts

This paper discursively analyzes the public conversation around immigration as it intra-sects with state and federal policy, particularly in relation to higher education. I take in-state resident tuition policy as a departure point for an interpretive effort to explain how “undocumented” and “illegal” subject positions are produced through intra-secting policy texts, popular journalism, and presidential campaigns. I illustrate how the ethics produced through this policy regime act pedagogically, mediating understandings of students becoming reified into “undocumented” and/or “illegal” identities. I pay special attention to the discursive productions made available from policy texts, both state-based (e.g., CA Dream Act) and federal (e.g., DACA), highlighting the use of discourse analysis in the interrogation of social policy.

scholarly journals The game of rankings in a quality world university space

2019 ◽  
pp. 77 ◽  
Author(s):  
Georgios Stamelos ◽  
Panagiota Evangelakou
Keyword(s):  
Higher Education ◽  
Quality Assurance ◽  
Education Policy ◽  
Higher Education Policy ◽  
Global Market ◽  
Institutional Level ◽  
The Public ◽  
Policy And Strategy ◽  
Market Product ◽  
Financial Issues

The objective of this text is to proceed to an analysis of international classifications and their impact on two levels: a) their unexpected public success, and b) their decisive influence on higher education policy and strategy. We argue that defining quality assurance is crucial in order to legitimize choices about evaluation on a political and institutional level. In any case, it seems clear that rankings are a dubious construction but highly legitimized by the public and governments. So, under these circumstances, rankings are here and they will probably stay, together with the financial issues they create. Indeed, rankings are an interesting new global market product which universities seem to have to negotiate wisely.

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