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Evaluation of ARIVU educational loan scheme implemented by D Devaraj Urs Backward Classes Development Corporation in Karnataka state (2011-12 to 2017-18)

ARIVU, a student loan scheme as an alternative source of financing higher education for credit constrained students from underprivileged sections, was launched. The scheme aims at increasing access, reducing dropout and enhancing employability of the students belonging to backward communities and is implemented through the D Devaraj Urs Backward Class Development Corporation.

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Project Snapshot:

Project Name Evaluation of ARIVU educational loan scheme implemented by D Devaraj Urs Backward Classes Development Corporation in Karnataka state (2011-12 to 2017-18)
Project Sanction Date 01 Feb 2019
Project Period Feb 2019 to Mar 2020
Project Location Karnataka
Project Supported By
Implementation Partner Learning, Skill Development and Livelihood
Project Team


Project objectives:

  • Assess the performance of ARIVU scheme in terms of spread and coverage, timely availability and disbursement, extent of utilization.
  • Assess beneficiary and stakeholders’ perception and satisfaction with regard to ARIVU loan scheme and the level of awareness of ARIVU scheme among the backward class students.
  • Study the impact of the ARIVU scheme's in increasing access, enrolment, participation and employment potential of backward class students in higher education.

Project Result / Accomplishments:

The study reveals that the programme has covered 38.3 per cent of female students and 61.7 per cent of male students during the period. District-wise, Bangalore Urban, Bidar, Mysore and Gulbarga district reveals better ratio of course completion thereby revealing positive impact of the scheme. Interestingly, Mysore division presents a higher proportion of course completion ratio.

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