An Evaluative Study of Perceptions Regarding Educational Loans in India

Mohammad Junaid Alam, Uznain Haji and Duha Masoodi
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Mohammad Junaid Alam: Faculty Economics & IB, Sharda School of Business Studies, Sharda University, India
Uznain Haji: IAMAI, India
Duha Masoodi: University of Nottingham, United Kingdom

Economics and Applied Informatics, 2024, issue 3, 134-139

Abstract: 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.

Keywords: student loan; banks; NPA; co-borrowers; collateral; debt; bad economy; rising cost; demand and supply; employment; processing fee; interest rate (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:ddj:fseeai:y:2024:i:3:p:134-139

DOI: 10.35219/eai15840409437

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