Student loans: liquidity constraint and higher education in South Africa / Marc Gurgand, Crest and J-Pal Adrien Lorenceau, Thomas Melonio
رقم التسجيلة | 20995 |
نوع المادة | book |
ردمك | 1958-539 X |
رقم الطلب | 371.068 G978s |
المؤلف | Gurgand, Marc |
العنوان | Student loans: liquidity constraint and higher education in South Africa / Marc Gurgand, Crest and J-Pal Adrien Lorenceau, Thomas Melonio |
بيانات النشر | Paris, [FRANCE]: Agence Francaise de Developpement, Departement de la Recherche, September, 2011. |
الوصف المادي | 48 p |
بيان السلسلة | AFD working paper | 117 |
الملاحظات الببليوجرافية |
Bibliography: p.43-44 |
المستخلص |
Empirical evidence that access to higher education is constrained by credit availability is limited and usually very indirect. This paper provides direct evi- dence by comparing university enrollment rates of South African potential stu- dents, depending on whether they get a loan or not to cover their registration fees, in a context where such fees are high. We use matched individual data from both a credit institution (Eduloan) and the Department of Education. Based on a regression discontinuity design using the fact that loans are granted according to a credit score threshold, we can estimate the causal impact of loan obtainment. We _nd that the credit constraint is substantial, as it decreases the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants. |
المواضيع | Education-Schools |
الواصفات | SOUTH AFRICASTUDENT LOANSEDUCATIONHIGHER EDUCATION |
الأسماء المرتبطة | Lorenceau, AdrienMelonio, Thomas |
LDR | 00130cam a22002413a 4500 |
020 | |a 1958-539 X |
082 | |a 371.068 G978s |
100 | |a Gurgand, Marc |
245 | |a Student loans: liquidity constraint and higher education in South Africa / |c Marc Gurgand, Crest and J-Pal Adrien Lorenceau, Thomas Melonio |
260 | |a Paris |b Agence Francaise de Developpement, Departement de la Recherche, |c September, 2011 |
300 | |a 48 p. |
490 | |a AFD working paper |v 117 |
504 | |a Bibliography: p.43-44 |
520 | |a Empirical evidence that access to higher education is constrained by credit availability is limited and usually very indirect. This paper provides direct evi- dence by comparing university enrollment rates of South African potential stu- dents, depending on whether they get a loan or not to cover their registration fees, in a context where such fees are high. We use matched individual data from both a credit institution (Eduloan) and the Department of Education. Based on a regression discontinuity design using the fact that loans are granted according to a credit score threshold, we can estimate the causal impact of loan obtainment. We _nd that the credit constraint is substantial, as it decreases the enrollment rate into higher education by more than 20 percentage points in a population of student loan applicants. |
600 | |a Education-Schools |
650 | |a EDUCATION |
650 | |a HIGHER EDUCATION |
650 | |a SOUTH AFRICA |
650 | |a STUDENT LOANS |
700 | |a Melonio, Thomas |
700 | |a Lorenceau, Adrien |
910 | |a libsys:recno,20995 |
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