Introduction:

We present a pioneering opportunity to invest in the securitization of learner loans aimed at empowering individuals to operate retail shops in underserved areas. Our programme seeks to address economic disparities by providing access to capital and entrepreneurship training, fostering sustainable growth in marginalized communities.

In underserved areas, access to affordable financing and entrepreneurial opportunities is limited, perpetuating cycles of poverty and economic stagnation. By leveraging the securitization of learner loans, we aim to unlock the potential of aspiring entrepreneurs while generating attractive returns for investors.

Background:

In underserved areas, access to affordable financing and entrepreneurial opportunities is limited, perpetuating cycles of poverty and economic stagnation. By leveraging the securitization of learner loans, we aim to unlock the potential of aspiring entrepreneurs while generating attractive returns for investors.

Program Overview:

• Learner Selection: We identify motivated individuals with a passion for entrepreneurship and a desire to uplift their communities. These learners undergo a rigorous selection process based on criteria such as commitment, business acumen, and potential for impact.
• Entrepreneurship Training: Selected learners participate in comprehensive entrepreneurship training programmes, covering topics such as business planning, financial management, marketing, and customer service. Our goal is to equip them with the skills and knowledge needed to succeed as retail shop owners.
• Loan Disbursement: Upon completion of training, learners receive loans to establish or expand retail shops in underserved areas. These loans are structured to be affordable and flexible, with competitive interest rates and repayment terms tailored to the individual's financial circumstances.
• Mentorship and Support: Throughout the loan term, learners receive ongoing mentorship and support from experienced entrepreneurs and business advisors. This guidance enhances their chances of success and fosters a supportive ecosystem for entrepreneurship in the community.

Securitization Structure:

The securitization of learner loans follows a structured process:

• Loan Pool Formation: Loans extended to learners form the underlying assets of the securitization. These loans are diversified across geographies and industries to mitigate risk.
• Bond Issuance: Bonds backed by the pool of learner loans are issued to investors in the capital markets. The bonds are rated by reputable credit rating agencies based on the credit quality of the underlying loans and other relevant factors.
• Investor Returns: Investors receive returns in the form of interest payments and principal repayments from the borrower's loan repayments. The structure aims to provide investors with a stable and predictable income stream while supporting economic development in underserved areas.

Peer to Peer Loans

Invest in the future of retail and community development. As an investor, you will:

• Be on the waiting list until you are matched with suitable learner, only then your will be allowed to fund a learner.
• Participate in income-sharing opportunities with a 20% share of revenue generated through this platform.
• Empower learners and entrepreneurs to thrive in the retail industry.
• Contribute to the growth of local businesses and economies.
• Align your investment with a socially responsible and impactful initiative.

Requirements:

The investor should meet the following requirements to invest in learners in the programme

• Willing to invest in a learner to buy a POS and stock in exchange for participating in income-sharing.
• Provide proof of funds available to invest/sponsor.
• Meet minimum net worth requirement of R500 000.
• Decision on whether to invest in a specific learner or in the programme as a whole.

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