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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."

"Penelitian ini bertujuan untuk meneliti adanya hubungan antara literasi keuangan dan pengalaman keuangan terhadap keputusan pemilihan penggunaan platform student edu loan pada mahasiswa aktif yang sedang berkuliah di wilayah Jabodetabek. Peneliti juga akan menggunakan faktor-faktor demografi dalam menganalisis pengaruh literasi keuangan terhadap keputusan pemilihan penggunaan student edu loan. Adapun faktor demografi yang akan dianalisis adalah gender, tingkat pendidikan, jam kerja rata-rata mingguan, jam belajar rata-rata mingguan, domisili. Dalam penelitian ini, jumlah sampel yang digunakan adalah sebanyak 560 orang dan metode analisis yang digunakan adalah regresi logaritmik biner menggunakan software SPSS versi 29. Hasil dari penelitian ini menunjukkan bahwa literasi keuangan dan pengalaman keuangan sama-sama memiliki pengaruh yang signifikan terhadap keputusan pemilihan platform student edu loan.

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This research is aimed to search for correlations between financial literacy and financial expereince on the intention of student edu loan platforms of college students who are currently studying in Jabodetabek area. The researcher will also use demographic factors to determine the choice decision to use a certain student edu loan platform. This research uses a sample of 560 people and the method used for conducting research analysis is binary logistic regression, with binary logistic regression technique as a statistical technique to analyse the regression model. The model is then analysed using SPSS version 29. The findings of this research conclude that both financial literacy and financial experience have a significant impact on the choice decision making of Student Edu Loan Platform Usage."