{"id":6783,"date":"2025-10-28T10:29:00","date_gmt":"2025-10-28T09:29:00","guid":{"rendered":"https:\/\/www.nova-bz.org\/?p=6783"},"modified":"2025-11-13T10:19:32","modified_gmt":"2025-11-13T09:19:32","slug":"ehrendarlehen","status":"publish","type":"post","link":"https:\/\/www.nova-bz.org\/de\/ehrendarlehen\/","title":{"rendered":"Durch Ehrendarlehen mehr Chancen auf ein Studium?"},"content":{"rendered":"\n<p>Non tutti\u00a0 ragazzi e le ragazze che vorrebbero frequentare l\u2019universit\u00e0 dopo il diploma di maturit\u00e0 hanno la possibilit\u00e0 di farlo: <strong>iscriversi a un ateneo e seguire le lezioni pu\u00f2 essere infatti molto caro<\/strong>, non solo per le <strong>tasse <\/strong>previste, richieste in Italia ma non sempre in Austria e Germania, ma anche per <strong>i costi degli alloggi e le spese vive<\/strong> sempre in costante crescita.<br\/>Poich\u00e9 non tutte le famiglie si possono permettere di mantenere gli studi dei propri figli o delle proprie figlie, il consigliere <strong>Sandro Repetto<\/strong> (Partito Democratico) ha proposto con una mozione (<em>cio\u00e8 una proposta di agire in un certo modo indirizzata alla Giunta provinciale<\/em>) che <strong>la Provincia faccia da garante a un sistema di prestiti d\u2019onore<\/strong>, permettendo cos\u00ec a pi\u00f9 giovani di iscriversi.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Cos\u2019\u00e8 il prestito d\u2019onore?<\/strong><\/h2>\n\n<p>Il prestito d\u2019onore \u00e8 un <strong>credito concesso dalle banche che viene ripagato al termine dello studio universitario<\/strong>, in relazione al reddito successivo. Si tratta di una misura che alleggerisce in particolare le famiglie del ceto medio.<\/p>\n\n<p>Secondo la proposta di Repetto, la Provincia potrebbe stipulare accordi con istituti di credito ed eventualmente <strong>utilizzare le propriet\u00e0 provinciali come garanzia<\/strong>: in questo modo, i genitori non dovrebbero pi\u00f9 fare personalmente da garanti, cosa che scoraggia molti. Inoltre, ci dovrebbero essere <strong>condizioni agevolate di rimborso<\/strong>, con tassi d\u2019interesse minimi e formule di restituzione proporzionali al reddito post-laurea,<strong> e una campagna informativa in merito<\/strong>. \u201cI prestiti universitari agevolati dallo Stato esistono in due terzi dei Paesi europei\u201d, ha chiarito Repetto.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Gli interventi di consigliere e consiglieri:<\/strong><\/h2>\n\n<p><strong>Alex Ploner<\/strong> (Team K) ha sostenuto la proposta, pur chiarendo che prendere in prestito dei soldi non \u00e8 un \u201conore\u201d, ma un \u201conere\u201d.<\/p>\n\n<p><strong>Waltraud Deeg<\/strong> (SVP), riconoscendo l&#8217;importanza del tema \u2013 ovvero l&#8217;accesso all&#8217;istruzione indipendentemente dalla situazione patrimoniale dei genitori \u2013 ha tuttavia respinto la proposta: in Alto Adige, secondo la consigliera, esiste gi\u00e0 un buon sistema di borse di studio, che sono un sostegno preferibile a quello proposto, che induce i giovani a indebitarsi.<\/p>\n\n<p><strong>Sven Knoll <\/strong>(S\u00fcd-Tiroler Freiheit) ha invitato a non considerare solo la formazione accademica, valorizzando maggiormente le professioni artigianali, che spesso offrono migliori prospettive lavorative.<\/p>\n\n<p><strong>J\u00fcrgen Wirth Anderlan (<\/strong>JWA) ha chiesto informazioni sulla retribuzione dei tirocini per gli studenti di Scienze dell\u2019Educazione presso Unibz.<\/p>\n\n<p><strong>Brigitte Foppa<\/strong> (Gruppo verde), sostenendo la mozione, \u00a0ha sottolineato che non si tratta solo di costi abitativi, ma anche delle tasse universitarie, che presso gli atenei italiani sono elevate e rappresentano un problema per molti studenti.<\/p>\n\n<p>L\u2019assessore provinciale all\u2019Istruzione in lingua tedesca<strong> Philipp Achammer <\/strong>ha <strong>respinto la proposta<\/strong>, ritenendo che l\u2019Alto Adige sia gi\u00e0 ben attrezzato grazie al <strong>sistema di borse di studio esistente<\/strong>. Inoltre, ha aggiunto, studi europei dimostrano che i <strong>prestiti d\u2019onore possono addirittura aumentare la disparit\u00e0<\/strong>, perch\u00e9 solo chi \u00e8 gi\u00e0 abbiente tende ad assumersi un mutuo. In replica, il promotore della mozione <strong>Sandro Repetto<\/strong> ha chiarito che i prestiti d\u2019onore non sarebbero un sostituto delle borse di studio, ma una misura complementare,\u00a0 soprattutto alla luce dei crescenti costi degli studi.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>La decisione dell\u2019aula<\/strong><\/h2>\n\n<p>Nonostante alcuni voti a favore, la proposta di introduzione di un prestito d\u2019onore per studenti \u00e8 stata <strong>respinta dall\u2019aula<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Studieren wird immer teurer \u2013 vor allem weil die Mieten in den Universit\u00e4tsst\u00e4dten hoch sind, aber auch die Studiengeb\u00fchren k\u00f6nnen ganz sch\u00f6n ins Geld gehen. Im Landtag hat man nun deshalb \u00fcber besondere Kredite f\u00fcr Studenten diskutiert. <\/p>\n","protected":false},"author":36,"featured_media":6781,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[58,231],"tags":[465,146],"class_list":["post-6783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuelles","category-wirtschaft","tag-finanzierungen","tag-studenten"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Durch Ehrendarlehen mehr Chancen auf ein Studium? - Nova<\/title>\n<meta name=\"description\" content=\"Studieren wird immer teurer \u2013 vor allem weil die Mieten in den Universit\u00e4tsst\u00e4dten hoch sind, aber auch die Studiengeb\u00fchren k\u00f6nnen ganz sch\u00f6n ins Geld gehen. Im Landtag hat man nun deshalb \u00fcber besondere Kredite f\u00fcr Studenten diskutiert.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nova-bz.org\/de\/ehrendarlehen\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Durch Ehrendarlehen mehr Chancen auf ein Studium?\" \/>\n<meta property=\"og:description\" content=\"Studieren wird immer teurer \u2013 vor allem weil die Mieten in den Universit\u00e4tsst\u00e4dten hoch sind, aber auch die Studiengeb\u00fchren k\u00f6nnen ganz sch\u00f6n ins Geld gehen. 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