4 - Student Loans in Kenya: Past Experiences, Current Hurdles, and Opportunities for the Future
Revue de l’enseignement supérieur en Afrique,
Vol. 2 No 2 (2004): Revue de l’enseignement supérieur en Afrique
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.
Télécharger la référence bibliographique
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- Albrecht, D., & Ziderman, A. (1992). Student loans and their alternatives: Improv- ing the performance of deferred payment programs. Higher Education, 23(4), 357-374.
- Barr, N. (2001). The welfare state as piggy bank: Information, risk, uncertainty and the role of the state. Oxford, UK: Oxford University Press.
- Chapman, B. (1999). Reform of Ethiopian higher education financing: conceptual and policy issues. Mimeo. World Bank. Retrieved in 2001 from http://www.worldbank.orp-/education/economicsed/researcIVeconseries/ Chapman.htm.
- Jackson, R. (2002). The national student financial aid scheme of South Africa: How and why it works. Welsh Journal of Education, 11(1), 82-94.
- Chapman, B., & Ryan, C. (2002). Income-contingent financing of student charges for higher education: Assessing the Australian innovation. Welsh Journal of Education, 11(1), 64-81.
- Chuta, E. J. (1992). Student loans in Nigeria. Higher Education, 23(4), 443-49.
- Johnstone, D. B. (1986). Sharing the costs of higher education: Student financial assistance in the United Kingdom, the Federal Republic of Germany, France, Sweden, and the United States. New York: College Board.
- Johnstone, D. B., & Tekleselassie, A. A. (2001). The applicability for developing countries of income-contingent loans or graduate taxes, with special consider- ation of an Australian HECS type income-contingent loan program for Ethio- pia. Mimeo. Retrieved in 2001 from http://www.gse.buffalo.edu/org/ IntHigherEdFinance.
- Kajubi, W. S. (1992). Financing of higher education in Uganda. Higher Education, 23(4), 433-441.
- Mokgwathi, G. M. G. (1992). Financing higher education in Botswana. Higher Education, 23(4), 425-431.
- Kotey, N. (1992). Student loans in Ghana. Higher Education, 23(4), 451-459. Teferra, D., & Altbach, P. (2003). African higher education: An international ref- erence handbook. Bloomington: Indiana University Press.
- Williams, P. (1974). Lending for learning. Minerva, 12, 326-345. Woodhall, M. (1970). Student loans: A review of experience in Scandinavia and elsewhere. London: George Harrap.
- Woodhall, M. (1983). Student loans as a means of financing higher education: Lessons from international experience. World Bank Staff, Working Paper No. 599. Washington, DC: World Bank.
- Woodhall, M. (1987). Lending for learning: Designing a student loan programme for developing countries. London: Commonwealth Secretariat.
- Woodhall, M. (Ed.). (1989). Financial support for students: Grants, loans, or gradu- ate tax? London: Kogan Page, in association with the Institute of Education, University of London.
- Woodhall, M. (1991). Student loans in higher education [in] English-speaking Africa. Paris: International Institute for Educational Planning.
- Woodhall, M. (1992). Student loans in developing countries: Feasibility, experi- ence, and prospects for reform. Higher Education, 23(4), 347-356.
- Woodhall, M. (1994). Higher education: The lessons of experience. Washington DC: World Bank.
- Woodhall, M. (2002, July). (Guest editor of special issue). Paying for learning: The debate on student fees, grants and loans in international perspective. Welsh Journal of Education, 11(1).
- World Bank. (1986). Financing education in developing countries: An exploration of policy options. Washington DC: World Bank.
- World Bank. (1994). Higher Education: The lessons of experience. Washington, DC: World Bank.
- Ziderman, A., & Albrecht, D. (1995). Financing universities in developing coun- tries. London: Falmer Press.
Les références
Albrecht, D., & Ziderman, A. (1992). Student loans and their alternatives: Improv- ing the performance of deferred payment programs. Higher Education, 23(4), 357-374.
Barr, N. (2001). The welfare state as piggy bank: Information, risk, uncertainty and the role of the state. Oxford, UK: Oxford University Press.
Chapman, B. (1999). Reform of Ethiopian higher education financing: conceptual and policy issues. Mimeo. World Bank. Retrieved in 2001 from http://www.worldbank.orp-/education/economicsed/researcIVeconseries/ Chapman.htm.
Jackson, R. (2002). The national student financial aid scheme of South Africa: How and why it works. Welsh Journal of Education, 11(1), 82-94.
Chapman, B., & Ryan, C. (2002). Income-contingent financing of student charges for higher education: Assessing the Australian innovation. Welsh Journal of Education, 11(1), 64-81.
Chuta, E. J. (1992). Student loans in Nigeria. Higher Education, 23(4), 443-49.
Johnstone, D. B. (1986). Sharing the costs of higher education: Student financial assistance in the United Kingdom, the Federal Republic of Germany, France, Sweden, and the United States. New York: College Board.
Johnstone, D. B., & Tekleselassie, A. A. (2001). The applicability for developing countries of income-contingent loans or graduate taxes, with special consider- ation of an Australian HECS type income-contingent loan program for Ethio- pia. Mimeo. Retrieved in 2001 from http://www.gse.buffalo.edu/org/ IntHigherEdFinance.
Kajubi, W. S. (1992). Financing of higher education in Uganda. Higher Education, 23(4), 433-441.
Mokgwathi, G. M. G. (1992). Financing higher education in Botswana. Higher Education, 23(4), 425-431.
Kotey, N. (1992). Student loans in Ghana. Higher Education, 23(4), 451-459. Teferra, D., & Altbach, P. (2003). African higher education: An international ref- erence handbook. Bloomington: Indiana University Press.
Williams, P. (1974). Lending for learning. Minerva, 12, 326-345. Woodhall, M. (1970). Student loans: A review of experience in Scandinavia and elsewhere. London: George Harrap.
Woodhall, M. (1983). Student loans as a means of financing higher education: Lessons from international experience. World Bank Staff, Working Paper No. 599. Washington, DC: World Bank.
Woodhall, M. (1987). Lending for learning: Designing a student loan programme for developing countries. London: Commonwealth Secretariat.
Woodhall, M. (Ed.). (1989). Financial support for students: Grants, loans, or gradu- ate tax? London: Kogan Page, in association with the Institute of Education, University of London.
Woodhall, M. (1991). Student loans in higher education [in] English-speaking Africa. Paris: International Institute for Educational Planning.
Woodhall, M. (1992). Student loans in developing countries: Feasibility, experi- ence, and prospects for reform. Higher Education, 23(4), 347-356.
Woodhall, M. (1994). Higher education: The lessons of experience. Washington DC: World Bank.
Woodhall, M. (2002, July). (Guest editor of special issue). Paying for learning: The debate on student fees, grants and loans in international perspective. Welsh Journal of Education, 11(1).
World Bank. (1986). Financing education in developing countries: An exploration of policy options. Washington DC: World Bank.
World Bank. (1994). Higher Education: The lessons of experience. Washington, DC: World Bank.
Ziderman, A., & Albrecht, D. (1995). Financing universities in developing coun- tries. London: Falmer Press.