在马拉维优化学生贷款回收:弥合政策差距,社会经济现实和行政挑战
Reuben Moyo1, Jimmy Mbelwa1, Evelyn Kachingwe2
1College of Information and Communication Technologies, University of Dar es Salaam, PO Box 33335, Dar Es Salaam, Tanzania.
Evaluation and program planning
|September 14, 2025
概括
马拉维的学生贷款回收受到严格扣除和大量非正式劳动力的阻碍,导致32.6%的不偿还率. 提出的解决方案包括收入相关的计划和数字平台,以提高高等教育融资可持续性.
科学领域:
- 经济学 经济学 经济学
- 高等教育政策 高等教育政策
- 发展研究 发展研究 研究
背景情况:
- 在马拉维,学生贷款对于获得高等教育至关重要.
- 贷款回收不足威胁到教育融资和社会经济进步.
- 高等教育学生贷款和助学金委员会 (HESLGB) 面临着重大的恢复挑战.
研究的目的:
- 调查在HESLGB的学生贷款回收的挑战.
- 确定导致32.6%的不偿还率的障碍.
- 为低收入和中等收入国家提出可扩展的解决方案.
主要方法:
- 混合方法方法方法整合行为经济学.
- 对289名学生贷款借款人的调查数据分析.
- 与12名HESLGB工作人员进行了定性采访.
主要成果:
- 严格的工资扣除和70%的非正式劳动力造成了偿还障碍.
- 确定了关键主题:执法,借款人支持,还款时间表和处罚.
- 失业,不灵活的时间表和不充分的跟踪严重阻碍了贷款的回收.
结论:
- 实施收入取决于偿还计划可以提高回收率.
- 数字平台和加强借款人教育对于可持续融资至关重要.
- 以区域模型为基础的政策改革是有效的学生贷款管理所必需的.
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