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This article aims to explore the ground realities of implementation of the Vocational Training Loan Scheme through interviews with the various stakeholders involved including training service providers, bankers, students etc. The article is a preliminary exploration of issues that the implementing bodies face in promoting this scheme. It finds that one of the major challenges of the scheme is that banking systems are still not accessible to prospective applicants as they view banking and loan as intimidating processes. The article concludes that though the Vocational Training Loan Scheme shows great potential, it can deliver its services only if the service delivery agencies become more accessible to its beneficiaries. In the light of some of the current flagship skill development schemes offering free training, administering a loan product for the same target audience would be a challenge.

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