The Short Version
No empirical evidence from the International University of Management itself supports this claim. The available sources study other Namibian contexts — distance learners at NAMCOL, rural schools, and generic global university dropout patterns — none of which collected data from IUM students or staff. The only source referencing IUM directly concedes that institution-specific dropout data is not widely published. While the three factors cited are plausible in a broad Southern African higher-education context, presenting them as verified "main causes" at IUM is unsupported.