Assessment of the Socioeconomic Implications of the Higher Education Students Loans Board on Tanzanian Students

Authors

  • Antoniammal M School of Management Studies, DMI - St. Eugene University
  • Renuka Devi Stella Maris Collegue - Chenai, India

DOI:

https://doi.org/10.56548/msr.v5i1.193

Keywords:

Higher Education Financing, Student Loans, Socioeconomic Impact, Educational Equity, Loan Repayment

Abstract

This paper will discuss the role played by the Higher Education Students Loans Board (HESLB) in determining the socioeconomic status of the Tanzanian students with special focus on the effectiveness of the organization in providing fair accessibility to higher education and the overall economic mobility of the students. The collection of quantitative and qualitative data was done on a few selected universities using a mixed-methods approach, among loan beneficiaries, non-recipients, and higher education administrators. The research analyzes the impact of loan distribution policies, loan repayment and efficiency of loan disbursement on students with various socioeconomic backgrounds. The results show that although the HESLB has greatly expanded access to higher education for low-income students, differences in loan distribution and repayment capacity still exist. Financial issues caused by stringent repayment conditions, postponed pay outs, and restricted loan coverage have impeded the intended sustainability and inclusion goals. The study comes to the conclusion that the Board's role in promoting fair and sustainable higher education funding in Tanzania will grow if loan appraisal and recovery procedures are changed, especially by implementing income-contingent repayment plans and open allocation procedures.

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Published

2026-02-28

How to Cite

M, A., & Devi, R. (2026). Assessment of the Socioeconomic Implications of the Higher Education Students Loans Board on Tanzanian Students. Management Science Research Journal, 5(1), 21–25. https://doi.org/10.56548/msr.v5i1.193

Issue

Vol. 5 No. 1 (2026): FEBRUARY 2026

Section

Articles

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Copyright (c) 2026 Antoniammal M, Renuka Devi

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