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-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