The Effects of Student Loans on Learners’ Well-being in Khabutoola Sub-county in Manafwa District
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Date
2025-08-19
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Uganda Christian University
Abstract
This study explored access by learners of Khabutoola sub-county to student’s loans and the impact it has on leaner’s well-being. The purpose of the study was to find out whether these rural learners of Khabutoola sub-county accessed student’s loans and how such access impacted their well-being which was examined in the social, economic, mental and physical contexts. Literature was reviewed to ascertain what exists about student loans, however, most of the literature discussed developed countries whose loan systems seem to be too advanced for countries in the developed world, justifying this case study. The study was qualitative using in-depth interviews, focus group discussions, and key informants. The study found that access to student’s loans the rural learners of Khabutoola was not very significant to bring about recognized improvement in the lives of the learners because it had many negative impacts on their well-being. It was revealed during the study that students also borrowed from institutions such as the Savings and Credit Cooperative Organizations (SACCOs) and the Village Savings and Loans Associations (VSLAs and some financial institutions. The findings imply that the government and economic resource institutions should engage these student frameworks to improve learner’s access to student’s loans and be able to combat the hindrances to such loans and reduce the negative impact of the student’s loans on the learner’s well-being. Women achieve better life through the networks they have established with other group members, and with whom they share problems.