Educational lending as a tool for financial support of the competitiveness of municipal education

Анотація

The article examines the essence and specific features of educational lending as a tool for the financial support of the competitiveness of municipal education under conditions of decentralization and transformation of the public administration system. The relevance of implementing educational lending mechanisms in the context of limited budgetary resources of territorial communities, the need to improve the quality of educational services, and the need to ensure equal access to education are substantiated. It is determined that educational lending contributes to the formation of an effective educational services market, intensifies competition among educational institutions, and promotes the development of human capital. The main advantages and risks of state and private educational lending, the peculiarities of granting educational loans, and the conditions for their effective functioning are analyzed. It is established that important components of the educational lending system include state guarantees, preferential lending conditions, long-term repayment periods, low interest rates, and grace periods. It has been shown that educational lending can be an effective mechanism for increasing access to education for students from low-income families and an important factor in ensuring social justice. Special attention is paid to the interaction among educational institutions, credit organizations, local self-government bodies, and employers in implementing educational lending programs. The expediency of employer participation in financing educational loans and in employing graduates to reduce the risk of loan default and ensure the staffing needs of territorial communities is substantiated. The prospects for improving the educational lending system as a component of the development of municipal education and enhancing its competitiveness are identified. Keywords: educational lending; municipal education; financial support; competitiveness of education; territorial community.

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