Student loans and/or scholarships - Research Paper Example

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What specific training and content management needs does our company have? The primary need for training is based upon the foundations of loaning funds to students who are academically worthy but who will also become valuable assets in terms of payoff value…
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Student loans and/or scholarships
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What specific training and content management needs does our company have? The primary need for training is based upon the foundations of loaning funds to students who are academically worthy but who will also become valuable assets in terms of payoff value. More training needs to be incorporated in the areas of “organizational setup… institutional forms of division of labor…program design, promotion activities, selection of beneficiaries, disbursements, academic supervision, loan collection, investment of cash flow and reserves, monitoring and reporting” (Salmi 2003, p.4). These are the basics for a loan guarantor, but also, due to the nature of many funding opportunities, the inevitability of failure looms much higher without proper training in each of these areas. 2. What current problems are we facing? On an international scale, student loans and finance opportunities create a diverse range of issues in terms of what forms should be offered to students, such as “whether it should be in the form of universal or means-tested grants or bursaries, competitive scholarships, sponsorship by employers, subsidized job opportunities, or student loans” (Woodhall 2004, p. 38). In these scenarios, money is available through many channels, however the payoff from the company perspective isn’t always of value for shareholders, and more, there is an increased risk in offering universal funds for education on an international scale....
3. What are options for solving these problems? The primary scenario is illustrated by Canton and Blom 2004 where they study a method “to expand the potential market, [in which] a group of about 40 private universities introduced a credit program for needy and academically talented students” (1). This scenario assumes that the students are academically efficient and will make proper use of the funding while also making the assumption that students who have not performed as academically excellent can still be granted private funds based upon their future academic performance, or at least the guarantee that they will make an effort of their education. As Salmi 2003 notes, “because of heavily subsidized interest rates, high default rates, and high administrative costs, the repayment proportion of loans has not been very significant in most cases” (5). In order to alleviate these issues, and make student loan granting a valuable program, future repayment options focus on income contingency in which the graduate must repay a certain amount each month based upon their income. Salmi also writes that there isn’t a significant amount of data as to whether this method works for repayment, but there is enough to suggest that lenders have a better chance at receiving funds if the graduate is placed into this system of loan recovery. 4. Is a learning management system the best option? A learning management system would be useful in certifying proper appropriations of funds to ensure students who are academically capable are granted the monies to pursue higher education while students who may be risky investments are offered different opportunities based upon their ability to excel. Specific training needs must also be met to Read More
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