Austeridad financiera en la enseñanza superior en Portugal: El caso de préstamos de garantía mutua
In: Investigaciones de Economía de la Educación 6
The funding of higher education has become one of the biggest problems that the University has to solve, at a worldwide scale. In the European Union, as a consequence of the governments´ financial difficulties, the search for new sources of funding has become part of the political agenda, not only within the member states but also within the European Union itself. In Portugal, this problem has assumed a great burden due to the drastic decrease of the State´s financial input on Universities. To diversify the sources of income is today, one of the possible solutions. Within the new possible sources of funding, the students are in the Portuguese case, the most important source. In face of the difficulties of the students and their families in responding to this new financial demand, in 2007 it has been created by governmental action and in partnership with seven commercial banking institutions, a specific type of credit, named Credit of Mutual Warranty (Crédito de Garantia Mútua). In this communication we intend to describe this economic instrument and to analyze its performance and impact on Portuguese students, with the aim of understanding to what extent this source of monetary income has contributed to support the students in need
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