Our Approach
- Our loans are not collateral based
- Our best repayment guarantees are students with a good university degree who have successfully started their professional life
Selection of Loan Recipients
PRE-SELECTION
Pre-qualified students from partner pools.
ONLINE SELECTION
- Grades
- Extracurricular activities
ONE-ON-ONE INTERVIEWS
- Passion for studies
- Employability post-study
- Gender/race mix
- Willingness to give back to community
Maximizing Repayment Capabilities
- Individual Mentorship Program
- Strong local student and alumni network
- Professional placement support
Minimizing 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.
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
- Alumni network active
- 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