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Design of Student Loan Framework in Indonesia

Design of Student Loan Framework in Indonesia
PATRICK BORNOK JOVIALDO SIMBOLON
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This study aims to design student loan framework in Indonesia which has already implemented in developed and developing countries. The student loan is expected to be an answer to make better education in Indonesia. This study includes discussion about the objective which might be used as the primary reason to make a program, the appropriate student loan scheme which refers to international experiences in particular 5 Asian countries, and the repayment scheme to recover the loans.
This study uses qualitative research methods. The study was conducted by reviewing scientific journals relate into international experiences more specifically in 5 Asian countries, interviewing 2 persons as they are representative of Mandiri Bank and Bank CIMB Niaga, and analyzing documents relate into student loan, for instance, BI and OJK regulation.
This study provides results in the form of description which is a design of student loan framework that wants to implement in Indonesia. Based on the description, this study is given a recommendation regarding this program which hopefully would be considered in the establishment of the student loan program.