Bodi ya mikopo kulingana na sheria 2012/2013,soma uwe na msimamo.

Dickson Alex

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Jun 1, 2012
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PART A:
ISSUANCE OF
STUDENTS'
LOANS
2.0 PROVISION OF
LOANS UNDER THE
ACT
Provision of students' loans falls under
section 16 and 17 of the Act No. 9 of
2004. Section 16 (1) of the Act provides
that:-
2.1 Subject to the provisions of the Act,
the Board may provide, on a loan basis,
financial assistance to any eligible
student who is in need of the loans
and who has applied for such
assistance as is required to meet all or
any number of the students' welfare
costs of Higher Education.
The Phrase "Financial Assistance"
implies that parents or guardians have
the primary obligation of meeting higher
education costs of students.
2.2 For purpose of these Guidelines,
NEEDY applicant means:-
• A poor orphan (who has lost both
parents)
• A poor applicant with disability or
applicant whose parents have disability.
• A poor applicant who has lost one
parent.
• An applicant from poor marginalized
and disadvantaged groups.
• An applicant from poor family.
2.3 Loans may be issued to cover either
partially or fully the following items;
i. Meals and Accommodation charges
ii. Books and Stationery expenses
iii. Special Faculty Requirement expenses
iv. Field Practical Training expenses
v. Research expenses
vi. Tuition Fees
3.0 ELIGIBILITY FOR LOANS FOR
2012/2013 ACADEMIC YEAR
Eligible students for loans in 2012/2013
academic year must meet the following
conditions (for First Degree or
Advanced/ Higher Diploma students):-
3.1 Must be a Tanzanian (as defined by
HESLB Act No. 9 of 2004, as amended).
3.2 Must have applied for a loan through
the Online Loan Application System
(OLAS).
3.3 Must have been admitted into a fully
accredited/registered Higher Learning
Institution as a candidate for a First
Degree or Advanced/ Higher Diploma
on full time basis through Central
Admission System (CAS) or other
accepted system.
3.4 Must be a continuing student who
has passed the examinations necessary
to enable him/her to advance to the next
year or stage of study.
3.5 Must be a person who is not fully
funded by other organizations or
sources.
3.6 Must either be first time direct
applicants who are form six leavers.
These will include only applicants who
completed their Advanced Secondary
Education (form six) between 2010 and
2012.
OR
A first time direct applicants under
the Technical and Vocational
Education and Training (TVET). These
include only applicants who completed
their NTA level six (6) between 2010 and
2012 as well as applicants who
completed their Diploma in Teacher
Education between 2010 and 2012
years.
OR
A first time indirect applicants
admitted into Health Sciences,
Education (Science) and Education
(Mathematics) programmes only.
These include only applicants who
completed their Advanced Secondary
Education (form six) more than two
years ago; NTA level six (6) more than
two years ago and or those who
completed their Diploma in Teacher
Education more than two years ago.
OR
A first time equivalent qualifications
applicants admitted into Health
Sciences, Education (Science) and
Education (Mathematics) programmes
only. These include all applicants who
are holders of other Diplomas
recognized by NACTE; Diplomas from
outside Tanzania accredited by NACTE;
degree holders intending to join other
degree programmes and form six leavers
who have attended a one year certificate
course which is recognized by NACTE.
3.7 Given the high demand for student
loans viz a viz a limited budget, priority
shall be given to applicants who will be
admitted to pursue National Priority
Programmes which for the time being
shall be the following:-
3.7.1 Education (Science) and Education
(Mathematics).
3.7.2 Health Sciences (Doctor of
Medicine, Dental Surgery,
Veterinary Medicine, Pharmacy and
Nursing).
3.7.3 Civil and Irrigation Engineering.
3.7.4 Education Non- Science and Non
Mathematics
(through Means Testing)
3.7.5 Engineering (Those recognised by
Engineers Registration Boards, including
Computer Engineering and Architecture)
through Means Testing.
3.7.6 Agricultural Sciences (through
Means Testing)
3.7.7 Animal Sciences (through Means
Testing)
3.8 All other candidates admitted into
programmes other than Health Sciences,
Education (Mathematics) and Education
(Sciences) on the basis of indirect or
equivalent entrance to HEI may not be
eligible for loans.
3.9 Overseas students under bilateral
agreements between the Government of
the United Republic of Tanzania and
other Governments.
3.10 Students studying at the Open
University of Tanzania for a maximum
period of six (6) years (through Means
Testing). Students admitted at the Open
University of Tanzania will be eligible
for only two loanable items (tuition fee,
and Books and Stationery.
3.11 Postgraduate
students
In order to enhance adequacy of
academic staff in local Higher Education
Institutions, a limited number of loans
will be available to academic staff
pursuing Masters and PhD courses. Loan
applicants for Masters or PhD
programmes must meet the following
conditions:-
3.11.1 Must be a Tanzanian
3.11.2 Must have been admitted to a
fully accredited/registered higher
education institution in Tanzania.
3.11.3 A person who is not fully funded
by other organizations or sources.
3.11.4 Must have applied for Loans
through the Online Loan Application
System (OLAS).
3.11.5 Must hold a first degree or
Advanced/Higher Diploma with a
minimum of Upper Second Class (for
applicants pursuing Masters Degrees) or
Master's Degree with minimum of Upper
Second Class (for applicants pursuing
PhD degrees).
3.11.6 Must be an academic staff at a
fully accredited/registered higher
learning institution in Tanzania
3.11.7 Must have been officially
nominated by the employer and obtained
endorsement by the Deputy Vice
Chancellors/Principal/Provosts/Rectors
for Academics Research and consultancy
or Deputy Vice Chancellors/Principal/
Provosts/Rectors for Finance and
Administration, of the respective
institution.
3.11.8 The employer must have signed
the Financing Agreement between the
Higher Education Students' Loans Board
and Higher Education Institution.
3.11.9 She/he must have started to repay
previous loan instalments at least for
unbroken period of twelve months, or a
lump sum of the same instalments if he/
she is already a student loans
beneficiary.
4.0 MEANS TESTING,
LOAN ITEMS AND
AMOUNT/RATE TO BE
FINANCED
According to the Act, the Board may
provide loans to cover either all items or
any of the items stipulated under section
2.3 above.
4.1 Means Testing
System
The Board has since 2011/2012
academic year reviewed the Means
testing system to make it Simple,
Transparent and Fair.
The Means Testing System considers
School Fees paid in O – level, A – Level
Secondary Schools or Ordinary Diploma
as indication of applicant's ability to
contribute to the costs of higher
education.
Thus, Applicant's neediness shall be
measured as a difference between the
higher education costs (Meals and
Accommodation charges, Books and
Stationery expenses, Special Faculty
Requirement expenses, Field Practical
expenses, Research expenses and Tuition
Fees) of a particular institution of study
and the applicant's ability to pay for his/
her own education; multiplied by a
factor to acknowledge the high return of
Higher Education to the applicant. The
factor ranges from 1.1 to 1.5 depending
on the magnitude of Tuition Fees paid at
O-Level and A-Level Secondary/Ordinary
diploma Education. The higher the
magnitude, the higher the factor.
In addition, the system shall make
adjustments to cover for Loan
applicants with special socio-economic
disadvantages such as Orphanage,
Disability (of Parents/applicants) and
Single parency.
Under the new Means Testing System,
the whole loan shall be aggregated to
one lump sum amount. Out of that, the
Tuition Fee and Special Faculty
Requirement components shall be paid
directly to the Institution of study,
whereas the remaining amount shall be
paid to the student quarterly.
The Means Test shall be applicable to
first time applicants on Tuition fee and
Special Faculty Requirements loan items
only. The other four loan items meals
and Accommodation, Books and
Stationery, Field Practical Training and
Research may be allocated one hundred
(100) per cent loans.
4.2 Coverage of the
Means Testing System
The new means test system shall be
applicable to the first time loan
applicants in the 2012/2013 academic
year and subsequent years who will be
admitted to pursue all programmes that
will not be eligible for 100% loans.
4.3 Number of
Students to be Granted
Loans
In view of limited loanable funds budget,
and pursuant to section 7 paragraph (1)
of Act No 9 of 2004 (as amended), the
Board in 2012/2013 academic year shall
issue loans to a limited number of
applicants as per allocated budget.
In view of limited loanable funds budget,
candidates who are able to meet costs
for higher education, are strongly
advised not to apply for loans from the
Board.
4.4 Award of One
Hundred Per-cent
(100%) Loans
To motivate candidates to join
professions which currently have
critical shortages, the following
programmes shall be awarded up to one
hundred (100%) per cent loans:-
4.4.1 Health Sciences as defined in
section 3.7.2 above.
4.4.2 Bachelor of Education with
Science, Bachelor of Science with
Education and Bachelor of Education
(Mathematics).
4.4.3 Irrigation Engineering.
4.5 Candidates
admitted into
Education Non- Science
and Non Mathematics
Education
Programmes.
Candidates admitted into education
programmes which are non- science and
non mathematics education programme
shall be eligible for Means Tested loans
of not less than fifty (50%) per cent.
4.6 Applicable Tuition
Fee Rates
Tuition Fee for first time applicants
approved for loans in 2012/2013
academic year as well as second year
loan beneficiaries shall be pegged to the
equivalent tuition fees paid in Public
Higher Education Institutions.
4.7 Continuing
students who are loan
beneficiaries
All other continuing students loan
beneficiaries shall continue to receive
their loans as per their previous Means
Test grades.
4.8 Tuition Fee
The Board may provide tuition fee loans
of between 0% and 100% based on the
comparable rates charged by public
institution and also depending on the
types of the programme offered by the
comparable Public institutions .
The ceiling of Tzs 2.6 million that was
set on medical related programmes over
the past four academic years shall
continue to be in force during
2012/2013. Also, given increased
demand for loans, and limited budget
available, HESLB shall, unless directed
otherwise by the Government, continue
to issue Tuition Fees loans based on
the rates that prevailed in previous
year , (2012/2013) academic year for
both new and continuing students, for
all programmes of study.
Tuition fee funds shall be paid directly to
the higher learning institutions but the
student borrower shall have to
acknowledge receipt of the funds by
signing on a copy of the payment list
issued by the Board. It will be the
responsibility of the Higher Education
Institutions to obtain the signatures of
the students on the Tuition Payment lists
and submit the same to the Board within
sixty (60) days after receipt of the
funds.
4.9 Field Practical/Teaching Practical
Work expenses
The Board may provide Field Practical
Training/Teaching Practical (FPT) loans
at the rate of Tzs 10,000 per day up to a
maximum of 56 days in a year. FPT
loans shall not be subjected to Means
Testing.
However, 3rd, 4th and 5th year
continuing loan beneficiaries shall
continue to receive their Field Practical/
Teaching Practice loans as per their
previous year means test grades.
The Board may provide such loans for
those programmes that require Field
Practical Training (FPT) as
recommended by the respective Higher
Education Institutions and approved by
the Tanzania Commission for
Universities (TCU) and the National
Council for Technical Education (NACTE).
4.10 Special Faculty
Requirements
Subject to Means Testing results, the
Board may provide Special Faculty
Requirement (SFR) loans of between 0%
and 100% but only for study
programmes that require special
faculty requirement items and only for
specified items as approved by TCU/
NACTE based on the rates comparable to
public institutions.
Funds for special faculty requirements
shall be paid directly to the Higher
Learning Institutions but respective
student borrowers shall have to
acknowledge receipt of the funds by
signing on a copy of the payment list
issued by the Board.
Within the amount allocated for Special
Faculty Requirements, eligible and needy
students with disability may be provided
with loans to cover special academic
material requirements as may be
determined by the Board.
4.11 Meals and
Accommodation
The Board may provide loans for Meals
and Accommodation at the rate of Tzs
7,500 per day while on campus for
theoretical instructions in the
academic year.
4.12 Books and
Stationery expenses
A maximum of Tzs 200,000.00 per
annum for Books and Stationery may
be granted to eligible and needy
students. However, loan beneficiaries
from Open University of Tanzania (OUT)
may be granted books and stationery
loans for 3 to 4 academic years only
(depending on the programme of study)
and not every year.
4.13 Research
expenses
The Board may provide loans of 100%
for Research expenses in selected fields
only, based on the rates applicable at
public institutions and as may be
endorsed by either TCU or NACTE. These
fields include:-
• Health Sciences (which includes Doctor
of Medicine, Veterinary Medicine, Dental
Surgery, Pharmacy and Nursing)
• Engineering
• Agriculture
• Other eligible undergraduate
programmes may be given loans to a
tune of Tzs 100, 000.00 in their final
year of study
5.0 OTHER
CONDITIONS ON
ISSUANCE OF LOANS
5.1 Interest of Loan
Issued
For the purpose of retaining the value of
loans issued as well as making the loan
scheme sustainable, all loans issued
beginning 2011/2012 shall bear Interest
rate equal to 6% (six) percent, per
annum.
5.2 Students with
multiple admissions
The Board shall not disburse loan to any
eligible candidate admitted into more
than one Higher Education Institution.
Loan applicants and Higher Education
Institutions are hereby advised to
ensure that a candidate is admitted into
only one Institution. The Board shall not
be responsible for delayed or non-
disbursement of a loan arising from a
problem of multiple admission.
5.3 Students shifting
from one Institution to
other Institution
To avoid misdirection of loan funds for
students admitted at one HEl who later
choose to shift to another HEl, the
Board shall not raise a duplicate loan
payment to such students. Instead, loan
applicants who shifted to other HEl will
have to wait until the Board receives
back the funds from HEl where it was
initially paid.
The Board may re-direct the loan funds
to the Institution where the student has
shifted to subject to obtaining written
confirmation from TCU/NACTE that, the
transfer of institution has been
approved as well as written report that
the candidate has actually reported and
registered at the new HEl.
5.4 List of Candidates
admitted into Higher
Education Institutions
To ensure compliance and enforcement
of quality issues in higher education,
only candidates in the official admission
lists approved by the TCU or NACTE for
respective institutions shall be
considered for loans. Higher Education
Institutions are advised to strictly
submit lists of admitted students
through either TCU or NACTE. Admission
lists submitted directly to the Board by
Higher Education Institutions shall not
be considered.
5.5 Mode of
Application
The Board has since 2011/2012
academic year introduced an Online
Loan Application System (OLAS) with the
aim of simplifying and increasing
efficiency of the loan issuance process.
Candidates wishing to apply for loans
for the 2012/2013 application cycle are
advised to apply through OLAS; print out
the application form and Loan
Agreement, appropriately sign the same,
attach the necessary documentations
and submit to the Board through a EMS
or registered mail to:-
The Executive Director, Higher
Education Students' Loans Board,
TIRDO Complex, Kimweri Road,
Msasani, P.O. Box 76068, DAR ES
SALAAM.
Applicants are advised to maintain a
copy of the application form and the
receipt of mailing the application for
subsequent tracking purpose of the
application form.
Eligible needy candidates are advised to
visit HESLB website Welcome to HESLB to
farmiliarize themselves with OLAS
before attempting to apply.
5.6 Loan Application
Fees
First time applicants must pay non-
refundable one-off application fee of Tzs
30,000.00 through M-Pesa.
5.7 Application
Deadline
Loan Application cycle for 2012/2013
academic year will start on 16th April,
2012 and come to end on 30th June,
2012. Application lodged beyond this
date shall not be honoured.
5.8 Mode of
Disbursement of
Approved Loans
In order to expedite disbursement of
approved loans and minimize the
possibility of wastage arising from
disbursing loans from the Board directly
to the students bank accounts, all loans
shall now be paid through Higher
Education Institutions. The Higher
Education Institutions upon being
satisfied that the student loan
beneficiary has passed all the necessary
examinations allowing him/her to
advance to the next level of study or has
reported and Registered shall remit to
the student bank account the amount of
loan so far received from the Board.
6.0 PUBLICATION OF
SUCCESSFUL
CANDIDATES
A list of Candidates and awarded
amounts for eligible loan applicants
shall be posted on the Board's website
Welcome to HESLB as and when the
process of means testing is completed.
7.0 APPEALS AGAINST
AWARDED LOAN
AMOUNTS
Applicants who are not satisfied with
the Awarded Loan Amounts may appeal
to the Board as stipulated in the HESLB
Regulations of 2008 and as clarified
below:-
7.1 All appellants must complete the
relevant Online Appeal Forms, make a
printout of the same and attach thereto
the necessary supporting documents.
The Online Loan Application System is
accessible at OLAS :Welcome.
7.2 Appeal Fee (Tzs.
5,000 per appeal)
All appeals will attract a non-refundable
fee of Tzs, 5,000 per appeal which
should be paid using M-Pesa and the
Transaction ID generated should be
input into the Online System prior to
printing the completed appeal form,
otherwise the appeal will not be
considered.
7.3 Routing of Appeals
through Loan Officers
at the institutions of
study
Appeals must be routed through the
Loan Officers at the respective Higher
Education Institution who will collect all
appeals from his/her respective
institution and submit them under a
covering letter to the Board. The Board
will not accept any appeal that will be
submitted directly by students to the
Board.
PART B:
ISSUANCE OF
GRANTS
8.0 GRANTS
8.1 Grants Items
Grants may be issued to cover either
partially or fully the following items;
• Tuition Fees
• Books and Stationery expenses
• Special Faculty Requirement expenses
• Field Practical Training expenses
• Research expenses
8.2 Eligibility Criteria
Issuance of grants to Higher Education
Students shall be governed by the
following conditions and procedures:
8.2.1 A limited number of grants shall be
issues to direct students admitted into
fully accredited HEls in Tanzania to
pursue MD, DDS or BVM.
8.2.2 Must have obtained outstanding
academic performance of Division I or II
at Advanced Level Secondary Education
or a first class for Assistant Medical
Officers.
8.2.3 Must have registered for studies
with the HEls.
8.3 Signing of Bond
Students awarded Grants shall be
required to sign a Bond with the Board,
where the student upon graduation shall
work within Tanzania for a period of
not less than five (5) years.
8.3 A separate advertisement calling for
applications for grants shall be floated
in the news media in July, 2012.
Issued by:-
THE EXECUTIVE DIRECTOR
HIGHER EDUCATION STUDENTS' LOANS
BOARD
 
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