An Evaluative Study of Perceptions Regarding Educational Loans in India
This research focuses on analysis of the market demand and nature of student loans. We have used the demand and supply model to address the student loan crisis. It serves as a framework for analysing the student-borrower motivations (the demand side) and the bank-lender motivations (the supply side)...
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| Format: | Article |
| Language: | English |
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Dunarea de Jos University of Galati
2024-12-01
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| Series: | Annals of Dunarea de Jos University. Fascicle I : Economics and Applied Informatics |
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| Online Access: | http://eia.feaa.ugal.ro/images/eia/2024_3/Alam_Haji_Masoodi.pdf |
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| author | Mohammad Junaid Alam Uznain Haji Duha Masoodi |
| author_facet | Mohammad Junaid Alam Uznain Haji Duha Masoodi |
| author_sort | Mohammad Junaid Alam |
| collection | DOAJ |
| description | This research focuses on analysis of the market demand and nature of student loans. We have used the demand and supply model to address the student loan crisis. It serves as a framework for analysing the student-borrower motivations (the demand side) and the bank-lender motivations (the supply side). Analysis of the model shows a correlation between employment, budgeting, inflation, current economic conditions, family background, type of the university, enrolment in different courses and demand for student loans. The data is an amalgamation of primary and secondary sources collected by means of sample investigation, followed by regression analysis. The research results obtained are finally analysed and reasonable explanations are put forward. |
| format | Article |
| id | doaj-art-4c0449980d0745aebc2e5d6233ba357e |
| institution | Kabale University |
| issn | 1584-0409 |
| language | English |
| publishDate | 2024-12-01 |
| publisher | Dunarea de Jos University of Galati |
| record_format | Article |
| series | Annals of Dunarea de Jos University. Fascicle I : Economics and Applied Informatics |
| spelling | doaj-art-4c0449980d0745aebc2e5d6233ba357e2025-01-02T11:49:17ZengDunarea de Jos University of GalatiAnnals of Dunarea de Jos University. Fascicle I : Economics and Applied Informatics1584-04092024-12-01303134139doi.org/10.35219/eai15840409437An Evaluative Study of Perceptions Regarding Educational Loans in IndiaMohammad Junaid Alam0Uznain Haji1Duha Masoodi2Faculty Economics & IB, Sharda School of Business Studies, Sharda University, IndiaIAMAI, IndiaUniversity of Nottingham, United KingdomThis research focuses on analysis of the market demand and nature of student loans. We have used the demand and supply model to address the student loan crisis. It serves as a framework for analysing the student-borrower motivations (the demand side) and the bank-lender motivations (the supply side). Analysis of the model shows a correlation between employment, budgeting, inflation, current economic conditions, family background, type of the university, enrolment in different courses and demand for student loans. The data is an amalgamation of primary and secondary sources collected by means of sample investigation, followed by regression analysis. The research results obtained are finally analysed and reasonable explanations are put forward.http://eia.feaa.ugal.ro/images/eia/2024_3/Alam_Haji_Masoodi.pdfstudent loanbanksnpaco-borrowerscollateraldebtbad economyrising costdemand and supplyemploymentprocessing feeinterest rate |
| spellingShingle | Mohammad Junaid Alam Uznain Haji Duha Masoodi An Evaluative Study of Perceptions Regarding Educational Loans in India Annals of Dunarea de Jos University. Fascicle I : Economics and Applied Informatics student loan banks npa co-borrowers collateral debt bad economy rising cost demand and supply employment processing fee interest rate |
| title | An Evaluative Study of Perceptions Regarding Educational Loans in India |
| title_full | An Evaluative Study of Perceptions Regarding Educational Loans in India |
| title_fullStr | An Evaluative Study of Perceptions Regarding Educational Loans in India |
| title_full_unstemmed | An Evaluative Study of Perceptions Regarding Educational Loans in India |
| title_short | An Evaluative Study of Perceptions Regarding Educational Loans in India |
| title_sort | evaluative study of perceptions regarding educational loans in india |
| topic | student loan banks npa co-borrowers collateral debt bad economy rising cost demand and supply employment processing fee interest rate |
| url | http://eia.feaa.ugal.ro/images/eia/2024_3/Alam_Haji_Masoodi.pdf |
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