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Prodigy Finance.png

Online platform offering loans to international postgraduate study
to leading business and engineering schools in US and Europe

Summary description

  • Lends to Business School candidates/students to fund studies

  • Tenor: 1-2 years

  • Loans funded by bond issues at commercial rates

  • Bond issues mainly subscribed by relevant business school alumni in early years

  • Business School endowments often provide match funding to enable bond issues

Opportunity investment thesis

  • Commercial banks have retreated from this segment (in Western countries)

  • Limited, if any, funding available for talented individuals from Asia, Developing countries

  • Attractive franchise (B-school students typically get steady, often well-paid jobs post-graduation)

  • Alumni peer pressure helps limit NPLs almost completely

  • Scalable, and growth can be fuelled by debt structures and re-financings 

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