The proposed model contains an m-learning environment, which is underpinned by the traditional learning environment and also supported by m-learning policies and guidelines as shown in “Figure 2” and “Figure 3”. Basically, the m-learning environment is a relationship between the teacher and student. For school level teaching, the environment includes the methodology of delivering instruction, assessment and local boards of education will have to wrestle. Again, ‘blended learning’ will also happen in the m-learning environment, which is a combination of e-learning and instructor-led training. All the information’s are available on the Internet for the student.

Fig2, 3 M-Learning A Perspective
Figure 3 : M-learning environment

Sharing of knowledge in between the teacher and the student is possible by the social interaction. The m-learning is different from the traditional face-to-face instructor-led teaching method. The proposed learning model is compared with traditional learning method in “Figure 2” and Figure 3. The environment survey is done by the authors where the students gave positive feedback that the learning method is very communicative one and effective, but the teacher gave negative feedback that the teaching method is more time consuming, and the teacher-student relationship decreases. Another important aspect in the m-learning environment is the lack of extra curricular activities for the development of the student. Because in the college or school teaching environment, these activities include cultural, sports, educational or any other social activities, which are missing in m-learning environment (Higgison, 2000).

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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