From 2021 to the end of the third quarter of 2026, Uzbekistan provided educational loans totaling nearly 7.7 trillion soums. The total number of such loans exceeded 663,000.
Over 5.8 trillion soums of the total amount was directed towards supporting the education of women and girls, with more than 515,000 loans issued to them.
This data was presented on October 23 at a consultative meeting dedicated to improving the educational loan system and reforms within the EduImkon program. The Ministry of Economy and Finance of Uzbekistan organized this meeting jointly with the World Bank.
Representatives from the ministry, the World Bank, relevant state agencies, commercial banks, universities, and public organizations participated in the event. The current state of the lending system, achieved results, and ways to improve financing mechanisms and the effective use of budget funds were discussed.
Special attention was paid to the EduImkon program, which is financed by the World Bank with $250 million USD. The goal of this program is to expand equal access to higher education, align education financing with labor market needs, and ensure the long-term financial sustainability of the student loan system.
The meeting also considered targeted support for women and girls, children from low-income families, and students studying priority fields. Participants discussed the digitalization of loan applications, as well as debt monitoring and repayment processes, examining international experience in linking repayment mechanisms to graduates' income.
Plans were presented to develop a financial and economic model for the system with the involvement of international experts, to evaluate the existing digital platform, and to analyze the link between educational loans and labor market requirements. Proposals were also discussed regarding providing loans for studying at top-300 global universities, as well as for short-term professional training and language courses abroad.
Discussions focused on funding conditions and limits, the quality of educational institutions, repayment procedures, and future employment of graduates; these mechanisms are currently at the proposal stage. Furthermore, participants exchanged views on including social and environmental factors, ensuring inclusivity, and improving application and complaint processing procedures. All proposals put forward at the meeting will be taken into account during further reforms, and the ministry will continue its cooperation with the World Bank and other partners to improve the education financing system.