Diseño de la Política para otorgamiento del Crédito Directo a Estudiantes de la Universidad Santo Tomás

Abstract

The Constitución Politica of Colombia of 1991 establishes in article 67 that education is a right of the individual and a public service, where the State shall provide free education in public educational institutions. For its part, article 69 of this document also mentions that it is the State who must facilitate the financial mechanisms that make possible the access of all eligible persons to higher education. Thus, the State has generated programs led by the Ministerio de Educación Nacional that implement the provisions of these regulations. In particular, the Universidad Santo Tomás offers the possibility of financing enrollment, this option helps students to defer payment during the semester, aiming directly at reducing the dropout rate due to economic factors. However, to date there is no document that regulates the concession of credit to students. The methodology proposed in this document is descriptive and explorative, which allows the study of the context of the different financial institutions in the market and other institutions of Higher Education where the way in which these institutions implement strategies in the granting of educational credit is analyzed. The purpose of this document is to present a proposal for a credit policy, which regulates and regulates the process of granting tuition financing for the Universidad Santo Tomás.