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Journal articles on the topic 'Higher Education Students' Loans scheme (HESLS)'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Sululu, Jacob, Victor George, and Joseph Kahimba. "Influence of Higher Education Students’ Loans Scheme on Career Choices among University Students in Tanzania." Journal of Management and Policy Issues in Education 1, no. 3 (2025): 18–33. https://doi.org/10.58548/2025.jmpie13.1833.

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Career decision-making among university students has become increasingly complex due to personal, institutional, and economic factors. In Tanzania, the alignment between students' academic choices and the structure of the Higher Education Students’ Loans Scheme (HESLS) has raised concerns about the autonomy of career decisions. This study investigates the extent to which HESLS influences students’ selection of degree programmes, using a cross-sectional survey of 480 loan beneficiaries from four selected universities. The sample size was determined using Yamane’s (1967) formula. Data were colle

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2

Sululu, Jacob, Victor George, and Joseph Kahimba. "Towards Equitable Higher Education Access." International Journal of African Higher Education 11, no. 3 (2025): 1–21. https://doi.org/10.6017/ijahe.v11i3.17459.

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This paper examines the students’ loans scheme of the Government of Tanzania and its effects on equitable higher education access for students from poor households. Specifically, the paper looks at the method used by the Tanzania Higher Education Students’ Loans Board (HESLB) to identify the needy students and the loan allocation criteria. The data for this article was obtained from survey of 480 continuing HESLB beneficiaries and key informants, including four Deans of Students, two HESLB officers, and four Loans Desk officers from sampled Higher Learning Institutions. The findings revealed t

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3

Ally, Abdul Mussa. "An Empirical Analysis of Financial Performance of Higher Education Students' Loan Scheme (HESLS) In Tanzania." International Journal of Management Sciences and Business Research 4, no. 3 (2015): 45–59. https://doi.org/10.5281/zenodo.3458870.

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Higher education in Tanzania has become increasingly important on national agendas and has undergone profound mutations and reforms over the past decades. There has been growing diversity of higher education institutions and increasing the student’s demand that exceed the budget allocated by the government. This trend called for one organ to coordinate and supervise all issues related to students’ financing in higher education. In a view of that, the government established higher education students’ loans board (HESLB) to manage that activities, which started to operate in 20

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4

ABDULRAHMAN, MANSWAB MAHSEN. "Higher Education Loans Board in Kenya from the Islamic Sharia Perspective." International Journal of Islamic Thought 12, no. 1 (2020): 34–42. http://dx.doi.org/10.24035/ijit.18.2020.179.

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Education loans were introduced in 1952 in Kenya under higher education loan fund board (HELF). The number of applicants increased consequently causing problems in provision of loans by the government; in this regard, the government introduced Students Loans Scheme (USLS), which was governed by the Ministry of Education. USLS noted problems in recovering matured loans from the beneficiary. To deal with this problem, in July 1995 the Government of Kenya through Parliament established the Higher Education Loans Board (HELB) to control the Student Loans Scheme. However, due to financial constrain

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5

Mbewe, Gift, Cathy Banda, and Garnet Mpangashala Kibombwe. "Perceptions of Students on the Effectiveness of Higher Education Student Loans in Malawi." East African Journal of Arts and Social Sciences 8, no. 2 (2025): 1–15. https://doi.org/10.37284/eajass.8.2.2934.

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This phenomenological study examined the perceptions of students from selected public and private universities in Malawi regarding the effectiveness of the student loan scheme administered by the Higher Education Students Loans and Grants Board (HESLGB). This study followed a qualitative methodology and specifically used semi-structured interviews and document analysis to generate data. Semi-structured interviews involving 16 students from four universities in Malawi revealed that prior to receiving loans, many students faced significant financial challenges that adversely affected their acade

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6

Kibuuka, Enock. "Equitable access, Retention and Successful Completion of Undergraduate Students in Higher Education in Uganda: The Uganda Students’ Higher Education Financing Policy Perspective." East African Journal of Education Studies 5, no. 2 (2022): 232–49. http://dx.doi.org/10.37284/eajes.5.2.757.

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Given the extensive social and private benefits that result from higher education (HE), access, inclusion, and completion are essential for achieving social justice, and ensuring the realisation of the full potential of those who wish to acquire HE. Yet still, many students or indeed their families, especially in low-income countries like Uganda, find it extremely difficult to access HE, whilst many of the students who join higher education institutions (HEIs) fail to complete their study programmes due to failure to meet the costs involved. On top of the various affirmative action measures ai

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7

Dachi, Hillary A. "Student Loans Financing in Tanza:." International Journal of African Higher Education 8, no. 1 (2021): 91–115. http://dx.doi.org/10.6017/ijahe.v8i1.13363.

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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 d

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8

Nushruth and Panakaje Niyaz. "Educational Loan for Religious Minority Under Arivu Scheme." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 7, no. 1 (2023): 26–35. https://doi.org/10.5281/zenodo.7551621.

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<strong>Objective: </strong><em>Education is the system of instruction designed to provide individuals with the tools they need to take part in day-to-day activities. It rejects ignorance and instils moral values in individuals. The functioning of the education sector is dependent upon the availability of different resources, most notably financial resources. Education funding comes from a variety of sources, including government spending, fees, educational loans by nationalized banks, cooperative societies, and others. Among these, educational loans have been identified as an alternative meth

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9

Wisdom, Selekekeme Krokeyi, Ariayefa Eniekezimene Francis, and Zion Ekainsai Stephen. "Impact of Higher Education Students Loan Scheme on Manpower Development in Bayelsa State." Journal of Social and Political Sciences 3, no. 3 (2020): 637–51. https://doi.org/10.31014/aior.1991.03.03.197.

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The study investigated the impact of Higher Education Students Loan Scheme on Manpower Development in Bayelsa State. The research work was anchored by the human capital model. The study adopted Raosoft calculator to determine the size of the sample from the population of study and a sample size of 377 respondents was arrived at using the calculator and were distributed amongst students of Bayelsa state origin in higher institutions of learning and retrieved 100 copies. This shortfall in the total number of retrieved questionnaire was a result of the lockdown due to the COVID-19 pandemic. The d

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10

Mgaiwa, Samson John, and Johnson Muchunguzi Ishengoma. "Financing higher education in Tanzania through students' loans scheme and its impact on equitable access." Heliyon 9, no. 3 (2023): e13943. http://dx.doi.org/10.1016/j.heliyon.2023.e13943.

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11

Yende, Sakhiseni. "Challenges Faced by National Student Financial Aid Scheme (NSFAS) Graduates in Repaying Loans and Debt: A Content Analysis." African Journal of Inter/Multidisciplinary Studies 6, no. 1 (2024): 1–13. http://dx.doi.org/10.51415/ajims.v6i1.1326.

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The National Student Financial Aid Scheme (NSFAS) serves as a pivotal mechanism to counteract higher education disparities in South Africa. This pivotal mechanism plays a crucial role in levelling the playing field, ensuring that financial constraints do not hinder individuals from pursuing higher education. However, in recent years, NSFAS has faced challenges, including unpaid loans from graduates, reduced funding for current students, and an ongoing corruption crisis. These issues hamper NSFAS's ability to provide essential financial support, underscoring the need for immediate reforms and s

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12

R. Gethe and M. Hulage. "An empirical analysis of student’s experience with educational loan services offered by banks." Prayukti – Journal of Management Applications 02, no. 01 (2022): 37–51. http://dx.doi.org/10.52814/pjma.2022.2106.

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The government of India is committed to furnishing primary education to all the Higher Education is nowadays becoming the domain the of private sector. As the Government of India gradually reduced government subsidies for higher education which made it costly to pursue. Developing Human Capital is any nation’s priority and thus any deserving student should get an opportunity to pursue higher education Loan for Education need to be considered as an investment for economic development. On 13th June 2000, the Hon’ble Finance Minister while in the meeting with Chief Executives of Public Sector Ban

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13

Jithendran, S., A. D. Rajeev Kumar, and Sreeanandan S. "Higher Educational Financing – A Utilitarian Approach." Review of Finance and Banking 15, no. 1 (2023): 41–48. http://dx.doi.org/10.24818/rfb.15.01.04.

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As a gate pass to a successful career, the educational loan, ideally, should bring utility to economically weaker students. The present study attempts to develop a Structural Equation Model (SEM) for educational loan utility, which springs out of job prospects from the basic factors, namely awareness, adequacy, utilization, effectiveness, and perception of loan financing on the one hand, and defaults in repayments, on the other. The study is posted to an uneven premise of a popular assumption among loanees that education loan is more of an aid and less of a retail product. The proposed model c

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14

Jithendran, S., A. D. Rajeev Kumar, and Sreeanandan dr. "Higher Educational Financing – A Utilitarian Approach." Review of Finance and Banking 15, no. 1 (2023): 41–48. http://dx.doi.org/10.24818/rfb.23.15.01.04.

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As a gate pass to a successful career, the educational loan, ideally, should bring utility to economically weaker students. The present study attempts to develop a Structural Equation Model (SEM) for educational loan utility, which springs out of job prospects from the basic factors, namely awareness, adequacy, utilization, effectiveness, and perception of loan financing on the one hand, and defaults in repayments, on the other. The study is posted to an uneven premise of a popular assumption among loanees that education loan is more of an aid and less of a retail product. The proposed model c

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15

Cockfield, Geoff, Linda Courtenay Botterill, and Simon Kelly. "A prospective evaluation of contingent loans as a means of financing wild dog exclusion fences." Rangeland Journal 40, no. 6 (2018): 591. http://dx.doi.org/10.1071/rj18054.

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Invasive species, such as wild dogs can be considered an externality arising from the activities of pastoral enterprises, with producers having limited responsibility for the problem and limited capacity to mitigate it. There are therefore arguments for government intervention through encouraging both individual and collective control measures. Governments are however increasingly inclined to ensure recipients of support make some contribution where there are private benefits. An example of this, in Australia, is the requirement that students repay some of the cost of their tertiary education.

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16

Clark, Tom, and Rita Hordósy. "Social Identification, Widening Participation and Higher Education: Experiencing Similarity and Difference in an English Red Brick University." Sociological Research Online 24, no. 3 (2018): 353–69. http://dx.doi.org/10.1177/1360780418811971.

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In 2012, the UK government introduced the National Scholarship Programme – a scheme that aimed to ensure that young people from families with low household incomes would not be discouraged from entry into higher education by increases in tuition fees. Drawing on longitudinal evidence in the form of 80 semi-structured interviews conducted in an English Red Brick University over a 3-year period, this article uses Jenkins’ work on social identification to examine the processes by which these post-2012 undergraduates used and experienced the financial support made available to them as part of the

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17

Nurdin, Arliyanti, Rizqa Amelia Zunaidi, Muhammad Arkan Fauzan Wicaksono, and Agi Lobita Japtara Martadinata. "Analisis Kredit Pembayaran Biaya Kuliah Dengan Pendekatan Pembelajaran Mesin." Jurnal Teknologi Informasi dan Ilmu Komputer 10, no. 2 (2023): 271–80. https://doi.org/10.25126/jtiik.20236301.

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Salah satu tantangan dalam institusi keuangan adalah manajemen risiko kredit. Hal ini juga terjadi pada institusi pendidikan swasta dimana pengelolaan keuangan dilakukan secara mandiri serta sumber dana mayoritas berasal dari mahasiswa. Setiap institusi harus menjamin kesehatan finansial melalui monitoring cashflow. Adanya penundaan atau kredit pembayaran biaya kuliah mahasiswa akan mempengaruhi cashflow institusi. Oleh karena itu dibutuhkan analisis kredit sebagai tindakan preventif guna mencegah terjadinya kredit yang bermasalah dan meminimalkan risiko kredit lainnya yang timbul di kemudian

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18

Nurdin, Arliyanti, Rizqa Amelia Zunaidi, Muhammad Arkan Fauzan Wicaksono, and Agi Lobita Japtara Martadinata. "Analisis Kredit Pembayaran Biaya Kuliah Dengan Pendekatan Pembelajaran Mesin." Jurnal Teknologi Informasi dan Ilmu Komputer 10, no. 2 (2023): 271. http://dx.doi.org/10.25126/jtiik.20231026301.

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<p>Salah satu tantangan dalam institusi keuangan adalah manajemen risiko kredit. Hal ini juga terjadi pada institusi pendidikan swasta dimana pengelolaan keuangan dilakukan secara mandiri serta sumber dana mayoritas berasal dari mahasiswa. Setiap institusi harus menjamin kesehatan finansial melalui monitoring <em>cashflow</em>. Adanya penundaan atau kredit pembayaran biaya kuliah mahasiswa akan mempengaruhi <em>cashflow</em> institusi. Oleh karena itu dibutuhkan analisis kredit sebagai tindakan preventif guna mencegah terjadinya kredit yang bermasalah dan meminima

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19

Mohammad, Nazim Ud Dowla Khan. "Obstacles for Women Entrepreneurs in Bangladesh." North American Academic Research 2, no. 7 (2019): 122–32. https://doi.org/10.5281/zenodo.3333733.

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<strong><em>Abstract</em></strong><em>:Studies on women entrepreneurship have witnessed a rapid growth over the past 30 years. The field is in an adolescence stage with a considerable number of journal articles, literature reviews and books being published on women entrepreneurs. The objective of this study is two fold. First is to examine the number of papers published on women entrepreneurship in 12 established entrepreneurship journals from 1900 to 2016. Second is to assess the growth of the field by specifically reviewing literature reviews published from 1980s till 2016 and put forward fu

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20

Kossey, Masumbuko Mathew, and Johnson Muchunguzi Ishengoma. "Issues and Challenges of Student Financing Systems in Africa: The Case of Tanzania." International Journal of African Higher Education 4, no. 1 (2017). http://dx.doi.org/10.6017/ijahe.v4i1.9047.

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This article investigates the challenges confronting student financing systems in Africa, with specific reference to Tanzania’s Higher Education Students’ Loans Board (HESLB). It shows that the major challenges include limited resources, unemployment among loan beneficiaries, increased loans applications, the lack of a national identification system, emigration of loan beneficiaries, poor policy and legal frameworks, and corruption among HESLB staff and loan beneficiaries. The article recommends that the HESLB should diversify its sources of funding to reduce dependence on government; enforce

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21

Kossey, Masumbuko Mathew, and Johnson Muchunguzi Ishengoma. "Issues and Challenges of Student Financing Systems in Africa: The Case of Tanzania." International Journal of African Higher Education 4, no. 1 (2017). http://dx.doi.org/10.6017/ijahe.v4i1.10250.

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This article investigates the challenges confronting student fnancing systems in Africa, with specifc reference to Tanzania’s Higher Education Students’ Loans Board (HESLB). It shows that the major challenges include limited resources, unemployment among loan benefciaries, increased loans applications, the lack of a national identifcation system, emigration of loan benefciaries, poor policy and legal frameworks, and corruption among HESLB staﬀ and loan benefciaries. The article recommends that the HESLB should diversify its sources of funding to reduce dependence on government; enforce loan re

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22

Nushruth and Niyaz Panakaje. "Educational Loan for Religious Minority Under Arivu Scheme." International Journal of Case Studies in Business, IT, and Education, January 19, 2023, 26–35. http://dx.doi.org/10.47992/ijcsbe.2581.6942.0244.

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Objective: Education is the system of instruction designed to provide individuals with the tools they need to take part in day-to-day activities. It rejects ignorance and instils moral values in individuals. The functioning of the education sector is dependent upon the availability of different resources, most notably financial resources. Education funding comes from a variety of sources, including government spending, fees, educational loans by nationalized banks, cooperative societies, and others. Among these, educational loans have been identified as an alternative method of financing educa

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23

Mukhlisin, Murniati, Rahmat Mulyana, Achmad Firdaus, Ratna Komalasari, and Reza Jamilah Fikri. "Policy Brief: Higher Education Financing System." International Journal of Islamic Personal and Family Finance 1, no. 2 (2024). https://doi.org/10.70328/ijipff.v1i2.20.

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Purpose - The objective of this policy brief is to provide policy recommendations to address problems of higher education financing system in Indonesia. Recent news reported that the total amount of interest-based online student loans given to students in various universities in Indonesia reached Rp 450 billion on February 26, 2024. The Chairman of the Business Competition Supervisory Commission (KPPU) stated that interest-bearing loan products are not in line with Act No. 12/2012 Article 76 of the Higher Education Law which prohibits the provision of interest-bearing loans. Methodology - The

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24

Mackenzie, Lee. "Some implications of the neoliberal massification of Colombian HE for achieving the sustainable development goals." Policy Futures in Education, June 26, 2023. http://dx.doi.org/10.1177/14782103231186846.

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This article draws on existing research, including publicly available data, to identify changes in Colombian HE which have led to its progressive massification and neoliberalisation. These include the introduction of standardised testing; endogenous and exogenous privatisation (Ball and Youdell, 2007); the expansion of the country’s non-income contingent loan scheme; cost-cutting and cost-sharing; and the Government of Colombia’s prioritisation of technical and technological (T&T) education. The article then explores some implications of this neoliberal massification of Colombian HE for th

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25

Kamara, Abu Kai, and Prince Lahai Momoh. "AN EXPLORATORY STUDY ON THE IMPLEMENTATION OF STUDENT LOANS IN ALLEVIATING POVERTY AND ITS CONTRIBUTION TO HUMAN CAPITAL DEVELOPMENT IN SIERRA LEONE." European Journal of Political Science Studies 6, no. 3 (2024). http://dx.doi.org/10.46827/ejpss.v6i3.1747.

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The investment in education creates present costs but brings benefits in the future, such as increased earnings, improved health, economic growth, long life, and better service delivery in the place of work. The student expenses include but are not limited to tuition fees, books, and lodging costs, which can be classified as direct costs and the opportunity cost of forgoing present leisure for expected benefits. Taking a loan from a bank requires collateral such as houses or machinery, but this is not the case with student loans; hence stringent agreement must be signed by the students showing

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26

Mgaiwa, Samson. "Higher Education Financing Through Students’ Loans Scheme and the Quest for Access and Social Equality in Sub-Saharan Africa: A Case of Tanzania." SSRN Electronic Journal, 2022. http://dx.doi.org/10.2139/ssrn.4073434.

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27

Masaiti, Gift, Kapambwe Mwelwa, and Nelly Mwale. "Shifting from Government Bursaries to a Loan Scheme in Higher Education: Exploring the Zambian Experience in Student Financial Aid." International Journal of African Higher Education 2 (March 19, 2016). http://dx.doi.org/10.6017/ijahe.v2i1.9260.

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One of the current critical issues in higher education in Africa and globally is about making student loans available in a sustainable and cost-effective manner. The argument is more complicated for Africa because of the complexities associated with loan schemes and the general austerity that African countries find themselves in. This article presents a case study and conceptualizes the scenario of shifting government bursaries to a student loan scheme in Zambia’s higher education sector. Based on student views (N=729) and international experience, the article presents student reactions to the

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28

Nargis, Selina, Muhammad Rehan Dastagir, Ferdous Ahmed, Sayma Akhter, and Mohammed Ataur Rahman. "KBAD-A Real Time Opportunity for Sustainability Education During Covid-19." Journal of Sustainability Perspectives 2 (August 1, 2022). http://dx.doi.org/10.14710/jsp.2022.15532.

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In achieving Sustainable Development Goals, the university holds a leading position. However, throughout the year long pandemic attachment between university and student has moved towards a more virtual platform. It has become a great challenge for both students’ and educational institutions to continue education through online platform. Facing the challenges of pandemic IUBAT successfully continues the online educational program. KBAD-Knowledge Based Area Development, a UNU (United Nations University) Flagship project has proven effectiveness in building links with IUBAT to students across th

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