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Articles · Vol. 2 No 2 (2004): Revue de l’enseignement supérieur en Afrique · Pages 37-51

Student Loans in Kenya: Past Experiences, Current Hurdles, and Opportunities for the Future

Wycliffe Otieno

  • Wycliffe Otieno
    Wycliffe Otieno
    Wycliffe Otieno is a Lecturer in the School of Education and Human Resource Development, Kenyatta University, Nairobi, Kenya.
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Vol. 2 · 2004 N°2 Revue de l’enseignement supérieur en Afrique JHEA

Résumé

Le Kenya a une longue tradition de prêt aux étudiants. Cependant, dans les années 80, ce programme avait été critiqué pour sa mauvaise administration, ses coûts élevés et son faible taux de recouvrement. La mise en place de la Commission des prêts pour l’enseignement supérieur en 1995 a entraîné des réformes qui ont élargi ce programme aux autres institutions post-secondaires, ainsi qu’à certains étudiants du secteur privé kenyan en pleine expansion, améliorant ainsi le recouvrement des prêts. Cet article décrit les efforts fournis en matière d’amélioration du recouvrement des prêts et fait un certain nombre de recommandations, parmi lesquelles l’application de taux d’intérêt plus réalistes (c’est-à-dire plus élevés), un système de recouvrement de prêts plus agressif, un ciblage plus effectif (justification des ressources), ainsi qu’un recours plus fréquent aux banques et autres sources de capital privé. L’utilisation des prêts pour étudiants est un moyen efficace pour améliorer la participation et l’équité, même si le gouvernement doit en faire davantage pour faciliter l’accès à l’enseignement secondaire, domaine où règne actuellement la plus grande inégalité.

 

Student Loans in Kenya: Past Experiences, Current Hurdles, and Opportunities for the Future: Wycliffe Otieno

Kenya has a long history of lending to students; but in the 1980s, the program was criticized for its poor administration, high costs, and low recovery rates. The estab- lishment of the Higher Education Loans Board in 1995 ushered in reforms that have broadened the program beyond the public universities to other postsecondary institutions and to some students in Kenya’s growing private sector and improved loan recoveries. This article describes these efforts to improve recoveries and makes a number of recommendations, including more realistic (i.e., higher) interest rates, more aggressive enforcement of loan recoveries, more effective targeting (i.e., means testing), and greater use of banks and other private capital sources. The use of student loans is an effective tool for increasing participation and equity, although the government must do more to improve the accessibility of secondary education, which is where much of the inequity currently resides.

 

Mots-clés

Student Loans subsidization sharp disagreement rising demand

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Citations

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Biographie de l'auteur/ice

  • Wycliffe Otieno

    Wycliffe Otieno is a Lecturer in the School of Education and Human Resource Development, Kenyatta University, Nairobi, Kenya.

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