Literaturnachweis - Detailanzeige
| Autor/in | Berlinger, Edina |
|---|---|
| Titel | An efficient student loan system. Case study of Hungary. |
| Quelle | In: Higher education in Europe, 34 (2009) 2, S. 257-267 |
| Sprache | englisch |
| Dokumenttyp | gedruckt; Zeitschriftenaufsatz |
| ISSN | 0379-7724 |
| Schlagwörter | Lehre; Studium; Studiengebühren; Studentenschaft; Student; Ausland; Ungarn |
| Abstract | The Hungarian student loan system was introduced in 2001. It has four main attributes: universal access and universal conditions; income contingent repayment; private funding; and self-sustaining (zero-profit) operation without direct state subsidy. This latter characteristic makes the scheme quite unique in international practice. Empirical facts support the original idea: default rate is relatively low (1-2 per cent), administration costs per year are around 1 per cent of the portfolio value. This paper focuses on three issues: how the Hungarian model works; why a 'specialized institution' model is superior to a 'retail bank' model; and finally, why adverse selection is not as menacing as the literature may suggest. (HRK / Abstract übernommen). |
| Erfasst von | Hochschulrektorenkonferenz, Bonn |
| Update | 2010/1 |
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