Overview

The book discusses the significance of the education loan as a tool for financing the higher education of students of all backgrounds in developing countries with special reference to India. The academic cost of providing greater access to higher education with emphasis on quality is disproportionately high in several developing countries and, as such, there is a need to raise more resources to meet the different components of costs of higher education such as academic costs, academic support cost and student welfare costs. There is also an emerging need for raising resources from non-government sources to fund higher education. The education loan within an appropriate framework of inclusiveness is a significant non-government source of finance.The book deals with different models of education loan systems prevailing in various countries and covers Indian experiences in the area of education loans, as a case study of a developing country. Based on field studies conducted in four Indian states, the book explains that the higher education loan system in India has not been inclusive of poorer sections of society, particularly people from rural areas. The book also includes an elaborate discussion on the operation of education loans given by banks in four Indian states and examines various issues of the education loan system and formulates an action plan to popularize it as a tool for financing higher education in developing countries. The book will interest scholars and practitioners in the areas of education, banking and finance generally, and development economics in particular.

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9781443847193

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Dr Jacob John has a PhD in Economics and an MBA in Finance and has over 30 years of experience as an economist and social development specialist, particularly in managing several research projects in the fields of education, health, local governance, fiscal decentralization, and self-help groups. These projects were carried out for various ministries of the government of India, departments of different state governments, the Planning Commission of India and several international agencies. He is currently the Director of KDS-Delhi, a socio-economic research organization in India. He has served the United Nation Industrial Development Organization (UNIDO) in India and Italy as a national and international expert and has also worked with the Institute of Social Sciences, the Associated Chambers of Commerce and Industry of India (ASSOCHAM) and the Confederation of Indian Industry (CII). Dr John has also published several books and articles concerning decentralized governance, local government economics and development economics.

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