- 學位論文
高中職學生就學貸款滿意度之研究
A Study of Satisfaction on Student Loan for Senior and Vocational High Schoolsvnal High Schools
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摘要
本研究旨在探討高中職學生對於就學貸款意願、對於就學貸款制度及對於就學貸款償還方式的滿意程度探討，及相關的研究建議。本研究採用五等式李克特量表，抽取230位高中職學生為研究對象，有效樣本為180位。利用統計方法有百分比分配、t檢定分析分析，並進行事後比較。研究者將問卷調查結果進行歸納整理，所得到的研究結果如下：（一）影響申貸就學貸款意願主要為經濟因素;（二）高中職學生對就學貸款申辦意願普遍滿意；（三）高中職學生對就學貸款制度普遍不滿意；（四）高中職學生對就學貸款償還方式普遍不滿意。因此，改善方向宜朝向（一）就學貸款項目應增加生活費用或午餐費、校車費等，使貸款金額更彈性（二）還款期限是否可在延長（三）逾期償還應訂定法律規範，降低逾期呆帳比率，等三個解決之道。
並列摘要
The purpose of this study was to explore the willingness of students to apply for student loans, their satisfaction with the loan program as well as the repayment terms, and their overall suggestions. In this questionnaire survey, five-point item of Likert scale was adopted, 230 students were sampled, among whom 180 subjects were valid. The data was analyzed by percentage frequency distribution as well as T-test in multiple comparisons in ANOVA; posterior comparisons were eventually preceded. The following were the conclusions of the study: 1. The economic situation is the major factor affecting students’ intention to apply for student loans. 2. The majority of high school students have high intention to apply for student loans. 3. Most high school student are dissatisfied with the student loan program. 4. Generally, high school students are dissatisfied with the repayment terms of the student loan. Therefore, suggestions to improve the student loan program are stated as follows: 1. The student loan program is supposed to cover living expenses to make it more flexible. 2. The payment period of the loan should be expanded. 3. Laws should be made to reduce the bad debt of the student loans.
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