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The UPV / EHU renews the Social Fund for aid to students with difficulties in paying tuition

The Governing Council of the university also approves the offer of own degrees for the 2014-2015 academic year

The Governing Council of the UPV / EHU has approved this Thursday the new call for refundable grants aimed at students with difficulties in paying tuition for the 2013/14 academic year. This Social Fund aims to address these difficulties when they come from economic circumstances that have arisen or that persist over time, once the university studies begin.

According to the Vice Chancellor of Students, Employment and Social Responsibility, Maite Zelaia, until the next day 27 may apply for assistance from the Social Fund people enrolled in the UPV / EHU who are studying undergraduate and graduate degrees, degrees, studies of adaptation of diplomas to degrees, or university master’s degrees with professional attributions or orientations, and that have not received scholarships or grants for the 2013-2014 academic year.

These persons must justify an economic difficulty that has arisen after the beginning of the academic year or that the situation they suffer will last over time, once the studies begin.


In the call for the 2012-2013 academic year, 32 applications were submitted, of which 28 were accepted. During the process, four people gave up on continuing in the call, two of them paid the debt in a single term and two others abandoned their studies. Finally, there were 24 people who took refuge in the fund. Of these, five correspond to the Campus of Álava, 14 to the Campus of Bizkaia and another five to the Campus of Gipuzkoa. The 24 accepted applications have meant a total of 21,829 euros of debt.

To make the payment there are two modalities, such as cash reimbursement and mixed modality, which involves the reimbursement of 60 percent in cash and 40 percent through collaborative activities. Each hour of activity corresponds to 10 euros of debt. Of the people covered by the Social Fund, 13 opted for the payment of the debt in cash and 11 decided to use the mixed modality.

The people included in this fund for the 2012-2013 academic year committed to pay in six months the aid provided by the university. Of the 24 people received, 10 have paid the debt contracted within the agreed deadlines. The rest have one or several pending payments and only five have not made any income.

In the event of non-payment, the university will wait until the exam period to adopt individualized measures. Also, for the next academic year, the UPV / EHU has planned to allocate 100,000 euros to this fund.

On the other hand, the Governing Council has approved the creation of UPV / EHUren Hezkuntzaren Museum-Museum of Education of the UPV / EHU, in order to “recover, safeguard and publicize the historical memory of education in Euskal Herria ” The documentation center, in addition to a space for the conservation and interpretation of the historical-educational heritage, will be a place of study, research and didactic use that will be located in the Campus of Gipuzkoa.

In addition, this body has also approved the new titles that will be offered next year 2014/15. Among them there are master’s degrees (60 to 120 ECTS credits, adapted to the European Higher Education Area) and university specialist degrees (30 and 59 ECTS credits).

The next course will be added to the offer three new graduate degrees, all of them university specialist. Audit and Socio-Labor Consultancy has the objective of qualifying professionals who develop work management of the staff and control over business decisions that affect the work contract.

‘Agroekologia: trantsiziorako gure bideak lantzen’ will be taught in Euskera and is aimed at professionals from different administrative levels working with the first sector, while integrated dental aesthetics, will form in the field of aesthetic dentistry. In total, 35 own postgraduate degrees will be offered (20 specialists and 15 masters).

In addition, next year the UPV / EHU will offer a new graduate degree, such as Private Detective, which will last three courses. The UPV / EHU will continue offering the next course two other expert titles: Intensification in aeronautical technologies and machine tools and manufacturing technologies, linked to engineering degrees. Pre-registration for own titles starts next Monday, June 9, and can be done online.

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The digital age gap is shrinking, as revealed by a recent forsa poll commissioned by CosmosDirekt. More and more “Silversurfers” are on the Internet – but what do they use it for? More than half of these regulate banking and financial transactions online.

Younger people are still online more often than older people. But the seniors have caught up significantly: At the beginning of 2014, 71 percent of the 60- to 65-year-old Germans used the Internet, compared to just 30 percent in 2002. Of the 18 to 29 year olds today, 98 percent are online – twelve years ago, 86 percent were active on the Web in this age group. This was the result of a recent forsa study commissioned by CosmosDirekt. 1

Why internet? In particular, financial services important for older users
When the browser opens, young and old are the first to read and write e-mails. Above all the older Onliner use the InterNet to above average extent (92 per cent) mainly for E-Mails, as a survey to the usage behavior resulted. 2 E-mail programs are also among the most important online services for nearly two-thirds of the younger generation. Second place is followed by websites for older and younger users to find out about. In addition, the “Silversurfers” have also developed their own preferences – for example, for banking and financial services, which control almost two-thirds of the elderly mainly. This is significantly more than the younger ones, who only bring it to 37 percent. The range of financial services on the Internet has become increasingly diverse in recent years: Customers can not only do their banking matters from home – insurance can also be individually compiled on the Internet, self-terminate and manage.


Source: CosmosDirekt

Professionals in particular benefit from the services of online insurers: they often only have time on weekends or public holidays to sign up for new insurance or to clean up their policy files. Many of the respondents who have already taken out online insurance are satisfied with the result: for a total of 75 percent, a degree on the Internet is again in question, as the study shows.

E-commerce and social networks remain the territories of the younger generation
In the case of Facebook, Twitter and Co., however, younger users are gaining the upper hand: more than half of them use the internet mainly to socialize with friends. Only a fifth of the older online users are active there. A similar picture emerges when it comes to e-commerce: half of the younger users are mainly online to buy and sell things, but only a third of the older ones.

  • Press release Study German Online Behavior 83 KB

  • Infographic: Sun surfs Germany 131 KB

  • 1 forsa survey commissioned by CosmosDirekt out of 5,590 citizens between the ages of 18 and 29 and 3,331 citizens between the ages of 60 and 65 (2014). In 2002, the survey had already been conducted in the same age groups (sample size: 19,534 and 13,859, respectively).

  • 2 forsa survey commissioned by CosmosDirekt among 1,009 Internet users (2013).

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Stefan Gobel



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Susanne Paul



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Frankfurt – Anyone who has received mail from his bank in January should not simply let it go to the wastebasket. According to some experts, the changes made by the EU PSD2 directive are as far-reaching as the first credit cards in the late 1950s or digital transfers from the turn of the millennium. Brussels wants to change the payment system fundamentally.


bilder 119186 article 

More competition and new offers

The European “Payment Service Directive” breaks the monopoly of banks when accessing account data. In the future, financial institutions will also have to allow third-party providers, such as financial start-ups, access to their customers’ accounts and data.

For many fintech companies this offers new possibilities: There are companies that compare interest rates of different banks for overnight money and provide money transfer there. Others help consumers save by automatically deducting small amounts of money. Further developments are also possible for digital asset managers. Additional offers, such as intelligent fund savings plans or a better balance sheet, were easier to implement. For bank customers, this means that with offers from fintechs, they could see several accounts at a glance and transfer money via third-party companies instead of via a bank.

For the banks, the sole access to the account data was lucrative: who knows how much money private customers have and what they spend it, can easily offer them more services – mortgage lending, loans, insurance or securities. It was “incomprehensible” that third-party services would have legally defined access to the infrastructure of the banks, which in turn did not apply, complained the Federal Association of German Banks. Even Thomas Sontheimer of the consulting company Accenture sees the financial institutions in the long term in distress. “The directive will increase transparency in European payments and presumably increase price pressure.”

Consumer-friendly innovations

1. Controlled access to account data

Consumers do not have to fear that companies access their data unchecked. You must explicitly allow them to share. Access is via the house bank and only for the requested purpose. The EU has banned the machine-based read-out of current accounts, which provides information on all payments and customs of bank customers. “Customers can rely on data security,” emphasizes the banking association.

2. New liability limit for online banking

But even for those who do not want services from third-party companies, there are far-reaching changes – for the benefit of consumers. So they had previously been liable for misuse of bank or credit card or numbers in online banking for damages up to 150 euros, as long as they had not blocked card or Internet account. According to the banking association, this liability limit will drop to 50 euros in the future. Only in case of gross negligence or intent do customers continue to be fully liable.

3. Bookings and reservations with credit card safer

Even when reserving rental cars or hotels, the rules become more consumer friendly. If many companies automatically block a certain amount on the customer’s credit card for security, they now have to agree.

4. More protection with online payments

In addition, stricter rules should protect against online payments fraud. With “PSD2” it is no longer enough for customers to enter card data and account number or username and password for payment services. A second, different feature such as a fingerprint or an SMS to your own smartphone should increase security. “For German bank customers that is the central benefit,” says consultant Sontheimer. The fees, such as for transfers, however, should hardly fall. “Germany is already cheap in European comparison.”

The trade, however, sees skeptical stricter security rules. “Such hurdles make payments on the Internet anything but convenient and can in the worst case lead to customers canceling their purchases,” says Ulrich Binnebößel from the HDE trade association. In addition, the consumer protection is questionable, since with rules such as buyer protection damage online shopping anyway rather arise on the dealer side. However, consumers with new offers would have an alternative to credit card or direct debit. “The customer then has the choice.”

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