1、6800 英文单词， 37500 英文字符 ，中文 1.1 万字 文献出处： Atuahene F . The challenge of financing higher education and the role of student loans scheme: an analysis of the student loan trust fund (SLTF) in GhanaJ. Higher Education, 2008, 56(4):407-421. The challenge of financing higher education and the role of studen
2、t loans scheme: an analysis of the student loan trust fund (SLTF) in Ghana Francis Atuahene Abstract Student loans program is one of the most controversial phenomena in financing higher education in Ghana, but its importance as a cost sharing mechanism is incontestable. This paper describes the chal
3、lenge of financing higher education in Ghana. It provides a critique of the Social Security and National Insurance Trust (SSNIT) Student Loans Scheme, and analyzes the present Student Loan Trust Fund (SLTF) policy. The paper outlines the new policy framework, critically looks at some implementation
4、problems and provides some practical policy recommendations. The paper questions the mechanisms put in place to ensure the sustainability of the new policy? It concludes that a more efficient student loans scheme should strike the balance between lenders risk and borrowers aversion. Keywords: Higher
5、 education challenges , Student loans scheme ,Higher education finance ,Cost sharing Introduction Higher education in Africa has witnessed a plethora of challenges such as accessibility, affordability, financial austerity, faculty recruitment and retention, and the lack of improvement of physical fa
6、cilities. Whereas these challenges pose a serious threat to effective education systems, two major challenges of increasing the demand for participation and financial stringency remain a peril to university development. Universities in Ghana, for example, have faced serious constraints including inadequate and dilapidated infrastructural facilities, falling standards, relevance and quality of programs due to ineffective instruction, and the lack of motivation on the part of faculty causing
