Coherent Identifier About this item: 20.500.12592/715j9k

Evaluation of the Immigration Loan Program




However, the procedures required to assess a potential recipient’s ability to repay a loan at the time of loan issuance are not practical in the overseas refugee processing context, given limited information and time available to conduct the assessment; and refusing a loan could prevent the resettlement of the refugee. [...] Additionally, there is a risk that some refugee recipients do not fully understand the terms and conditions of the loan at the time of signing (due to various factors such as language barriers, a lack of time available to explain the loan, or the individual’s ability to understand the relative value of the loan), and that they do not know the amount of the loan prior to their departure for - v - C [...] In particular, given the context of overseas refugee processing, compliance with TB Directives requires policy and/or procedural changes to ensure: Adherence to the criteria established to assess ability to repay the loan; and Procedures for signing the loan agreement are clear and obtain free and informed consent from the client, including communicating the amount to be borrowed. [...] In particular, CIC should consider: Aligning the loan program policies with those of other refugee programming; Aligning the start of the repayment with the receipt of the first loan statement; Aligning the loan repayment schedule with the time needed to repay; Ensuring the use of interest and interest relief are appropriate to the financial situation of the client; Providing mechanisms [...] Purpose of the Evaluation This report presents the results of the evaluation of the Immigration Loan Program.


education politics economy school poverty finance refugees evaluation canada debt employment government lending government policy immigration interest loans student loans demographics collection further education society loan market educational assessment permanent residence credit (finance) credit history canada revenue agency réfugiés prêts d'état collections debt collection permanent residents

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Includes bibliographical references
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Canadian Electronic Library (Firm)
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Distributed by the Government of Canada Depository Services Program (Weekly acquisitions list 2016-14)
Issued also in French under title: Évaluation du Programme de prêts aux immigrants
September 2015
Ref. no.: E6-2014
Issued as part of the desLibris documents collection
Issued as part of the desLibris documents collection
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1 online resource (1 electronic text (ix, 55 pages) :)
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Mode of access: World Wide Web
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Access restricted to authorized users and institutions.
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