EXAMINING THE IMPACT OF INTERSECTIONALITY ON STUDENT LOAN ACCEPTANCE AMONG SOMALI MUSLIMS IN ENGLAND

Abstract

This study explores the barriers to the use of interest-bearing student loans within the Somali Muslim community in England from the perspective of religion and the influence of Shari'ah scholars. The research adopts a community-based participatory approach and examines the religious, cultural and social values of Somali Muslim communities that affect their attitudes, perceptions, and actions towards higher education. The research proposes the UK Somali Muslims Acceptance of Interest-bearing Student Loan Model to identify the socioeconomic factors that influence the use of student loans. Based on the findings, the cultural, religious, and social values of marginalized communities create barriers to inclusion and access policies for higher education. The research highlights the influence of religious principles and Shari'ah scholars on the education of the Somali community. The results reveal that two theological approaches to the framing of student loans by Shari'ah scholars have a significant impact on perceptions and attitudes towards student loans. The study also shows the intersecting inequalities in economic opportunities based on religion, gender, socioeconomic status, and disabilities. The research findings have implications for policy-makers, higher education institutions, and Shari'ah scholars to co-find solutions for widening access to higher education among marginalized communities