Our Loan Approach

We invest in human capital

Our loans are not collateral-based.
Our best repayment guarantees are students with  a good university degree who have successfully  started their professional life.

Maximizing repayment capabilities

Individual Mentorship Program
Strong local student and alumni network
Professional placement support

Minimising defaults

Positive enticement: financial incentives for early and timely repayment – build-up of positive debt record.
Further Safeguards: legal contract, guarantor, direct salary deduction options, risk of negative credit record.

Selection of Loan Recipients


Pre-qualified students from partner pools.


Extracurricular activities


Passion for studies
Employability post-study
Gender/race mix
Willingness to give back to community

Measured Impact - On Multiple Levels

We closely monitor and measure our impact on multiple levels:

Student Level

  • Repayment rates
  • Finishing studies with a BA (ev. future MBA) degree
  • Employability and successful employment linked to fields of studies
  • Active alumni network
  • Active involvement – commitment for future generations.

Uniport Level

  • Financial Sustainability
  • Operating costs control
  • Default ratios
  • Financial domestic commitment
  • Strategic sustainability: Success and replicability of Uniport model in other African countries