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"This thesis, “Improving Student Loans in Zimbabwean Higher Education: A Case Study of Midlands State University,” addresses critical issues in the accessibility and effectiveness of student loans at MSU. The study explores barriers to accessing student loans, such as bureaucratic inefficiencies, stringent requirements, procedural delays, high interest rates, inflexible repayment schedules, and lack of transparency, all of which are exacerbated by Zimbabwe’s economic instability. The study uses qualitative research methods. To improve loan accessibility, the study recommends reformulating eligibility criteria to focus on students’ financial need and academic performance, introducing alternative repayment options such as work-study programs, improving communication through workshops, and offering fixed-rate loans and emergency funds. Collaboration with government and the private sector for loan guarantees or subsidies is also proposed. Drawing on Credit Rationing Theory, the study provides a framework for policymakers and administrators to create a more inclusive and supportive financial environment, encouraging higher educational attainment and economic mobility.

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This thesis, "Improving Student Loans in Zimbabwean Higher Education: A Case Study of Midlands State University," addresses critical issues in student loan accessibility and effectiveness at MSU. The study explores the obstacles to accessing student loans, such as bureaucratic inefficiencies, stringent requirements, procedural delays, high-interest rates, inflexible repayment schedules, and a lack of transparency, all exacerbated by Zimbabwe's economic instability. The study used qualitative research method. To improve loan accessibility, the study recommends reformulating eligibility criteria to focus on students' financial needs and academic performance, introducing alternative repayment options such as work-study programs, enhancing communication through workshops, and offering fixed-rate loans and emergency funds. Collaborations with the government and private sector for loan guarantees or subsidies are also proposed. Grounded in Credit Rationing Theory, this research provides a framework for policymakers and administrators to create a more inclusive and supportive financial environment, promoting higher educational attainment and economic mobility."

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Penelitian mengenai pengaruh bantuan pendidikan terhadap luaran tertentu masih jarang dibahas di Indonesia. Penelitian terkait bantuan pendidikan di Indonesia pertama kali dilakukan oleh Cameron(2009) untuk melihat pengaruh Jaringan Pengaman Sosial(JPS) dalam menahan laju drop out(DO). Studi yang pernah dilakukan terkait bantuan pendidikan menemukan hubungan positif jumlah bantuan terhadap partisipasi perguruan tinggi. Penelitian lain menemukan hubungan negatif bantuan terhadap pengurangan probabilitas drop out. Penelitian ini melihat pengaruh adanya bantuan pendidikan terhadap luaran pasar kerja dalam bentuk upah dengan menggunakan data Indonesia Family Life Survey(IFLS). Akibat efek dari bantuan ke upah terhubung secara tidak langsung dengan upah maka perlu adanya variabel antara yaitu lama tahun bersekolah(LTS). Penelitian ini menggunakan data cross-section dinamis dengan menggabungkan data pada dua gelombang IFLS 4 dan IFLS5. Metode regresi yang digunakan adalah Two Stage Least Square(TSLS) untuk menjabarkan efek Indirect dari bantuan terhadap upah terhadap LTS dan LTS terhadap upah. Hasil estimasi menunjukkan setiap anak yang menerima bantuan memiliki lama tahun bersekolah lebih tinggi sebesar 0.90-0.99 tahun dibanding non-penerima. Setiap kenaikan 1 tahun LTS berasosiasi dengan peningkatan upah sekitar 6.3-7.8%. Sehingga bantuan pendidikan mempengaruhi upah sebesar 5,67%-7,23%. Bagaimanapun masalah utama dari penelitian ini adalah ukuran sampel yang kecil, inclusion error pada penerima bantuan, dan bias pada penduduk yang berdomisili di Kota dan Pulau Jawa.

 

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Research concerning effect of student aid to certain outcomes rarely come to academic discourse in Indonesia. One of the first research on said topic was carried by Cameron(2009) who investigate the effect of Jaringan Pengaman Sosial(JPS) in decreasing drop out rate after Asian Crisis in 1998. Other study that investigated effect of student aid found positive correlation between aid grant and college participation; and negative association between aid and probability to drop out from college. This research investigated effect of student aid on labor market outcome in term of wage. Due to indirect effect of aid to wage, thus we need intermediary variable represented by year of schooling. I utilized IFLS 4 and IFLS 5 data with dynamic-cross section approach. I employed two stage least square to break down the effect of aid on year of schooling and effect of year of schooling on wage. I found for each person who received aid on 2007 have higher year of schooling compare to their non-recipient counterpart around 0.90-0.99 year. For each 1 year increase in year of schooling correlated with increase of wage around 6.3-7.3%. Thus student aid has affected wage around 5,67%-7,23%. However, the main issue of this research were limited and small sample, inclusion error in it aid receipient, and domicile bias of Java and Urban.

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"Student financial literacy : program development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students? educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students."

"ABSTRAKTata kelola pada lembaga kemahasiswaan di Ikatan Keluarga Mahasiswa UI (IKM UI) menjadi hal yang penting untuk diterapkan. Penerapan tata kelola dilakukan sebagai bentuk kontrol atas lembaga pemerintahan di IKM UI yang bertugas untuk menjaga kedaulatan mahasiswa UI. Penelitian ini bertujuan untuk mengevaluasi tata kelola lembaga pemerintahan mahasiswa yang terdapat pada IKM UI dengan menggunakan poin-poin aktualisasi dari Good Public Governance yang dibuat oleh KNKG, sebagai asas pelaksanaan tata kelola pada lembaga public di Indonesia. Hasil penelitian ini menunjukkan bahwa lembaga pemerintahan mahasiswa belum menerapkan tata kelola lembaganya dengan baik

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ABSTRACTGovernance implementation on Ikatan Keluarga Mahasiswa UI (IKM UI) has been an important issue. This because governance is needed to control student government associations, as the guardian of student sovereignty over campus administration. The purpose of this research is to evaluate student government associations governance using guidances from Good Public Governance General Guidance made by KNKG, as a governance standard of public sector organization in Indonesia. This research finds that student government associations in Universitas Indonesia have not properly implement governance"