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.
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-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
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