Chantrea Moeurn
Royal University of Phnom Penh

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Do Student Loans in Cambodian Education Matter? A Perspective from Loan Officers Bunthorn THY; Chantrea Moeurn
Journal of Education Research Vol. 7 No. 2 (2026)
Publisher : Perkumpulan Pengelola Jurnal PAUD Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/jer.v7i2.3502

Abstract

The microfinance sector in Cambodia has grown rapidly, expanding access to finance for micro-entrepreneurs and low-income households. In the 1990s, it was primarily managed by international non-governmental organizations and significantly contributed to the country’s economic growth, particularly in the education sector. Student loans, furthermore, provided by banks were identified as an important program to help low-income students access higher education. Student loans are especially important for socioeconomically disadvantaged backgrounds, offering opportunities for higher education. However, student loans are rarely discussed in academic literature, specifically their benefits. This study aims to explore the benefits of student loans in Cambodia. To attain the objective, the study utilized a qualitative approach employing a purposive sample. One-on-one interviews were conducted with three experienced officers from the student loan program. The data were analyzed using thematic coding, drawing from both the literature review and emerging patterns.  The results identified four main advantages: (1) Access to higher education; (2) Gain financial responsibility; (3) Invest in human capital, and (4) Reduced family financial pressure. Overall, the study required comprehensive support from the banking sector and higher education institutions in providing more accessible information to students from low-income families. The relevant stakeholders can continue to enhance educational equity for all students, ensuring they have equal opportunities to excel academically and contribute to the human capital development goal, which is essential for supporting Cambodia’s vision by 2030 and 2050.
How do Student Services Enhance Student Learning and Success? Evidence from Cambodian Higher Education Institutions Chantrea Moeurn
Journal of Education Research Vol. 7 No. 3 (2026)
Publisher : Perkumpulan Pengelola Jurnal PAUD Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37985/jer.v7i3.3939

Abstract

Students are considered a potentially powerful economic force and sometimes make significant contributions to nation-building. However, the high rate of students in higher education poses a significant threat to both students and society. The purpose of the study, therefore, is to explore the role of student services in supporting student learning and success. The study utilized a qualitative design, engaging 96 purposively sampled participants, with one-on-one semi-structured interviews conducted with key informants, while Focus Group Discussions (FDGs) were used with students. The study employed thematic analysis with an abductive method, combining deductive and inductive coding, to uncover new and emerging themes and subthemes from the data. The findings reveal that student services fulfill three major interconnected roles in promoting student success: (1) Academic and skills development. These critical services provide student learning skills and professional development.  (2) Psychosocial and retention support. This service provides students with concise soft skills and strong interpersonal engagement. (3) Social responsibility and global citizenship development. The student services lead the student to engage in community services in order to gain both practical knowledge and insight experience, which motivates them to focus on their responsibility as human capital. These critical roles extend beyond traditional administrative functions, positioning student services as essential mediators between academic programs and students’ personal, professional, and civic growth. These findings provide valuable implications for policymakers, higher education institutions’ leaders, and student affairs practitioners seeking to strengthen student support systems in Cambodia and similar emerging higher education contexts. Specifically, the study serves as a strategic catalyst for modernizing institutional governance and optimizing educational outcomes for Cambodia’s Vision 2050.