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Financing for technical, undergraduate and graduate education with affordable rates
SectorMost major industry classification systems use sources of revenue as their basis for classifying companies into specific sectors, subsectors and industries. In order to group like companies based on their sustainability-related risks and opportunities, SASB created the Sustainable Industry Classification System® (SICS®) and the classification of sectors, subsectors and industries in the SDG Investor Platform is based on SICS.
Corporate and Retail Banking
Business Model Description
Provide long-term financing of technical, undergraduate and graduate education for students outside the formal banking system and with limited credit history, with low interest rates through direct financing to students and / or companies seeking to improve their human capital
Increase financing alternatives for education to decrease unemployment and improve income prospects
Indicative ReturnDescribes the rate of growth an investment is expected to generate within the IOA. The indicative return is identified for the IOA by establishing its Internal Rate of Return (IRR), Return of Investment (ROI) or Gross Profit Margin (GPM).
10% - 15% (in IRR)
Investment TimeframeDescribes the time period in which the IOA will pay-back the invested resources. The estimate is based on asset expected lifetime as the IOA will start generating accumulated positive cash-flows.
Medium Term (5–10 years)
Market SizeDescribes the value of potential addressable market of the IOA. The market size is identified for the IOA by establishing the value in USD, identifying the Compound Annual Growth Rate (CAGR) or providing a numeric unit critical to the IOA.
1,931,000 people between 15 and 29 years of age in the second quarter of 2020
Direct ImpactDescribes the primary SDG(s) the IOA addresses.
Indirect ImpactDescribes the secondary SDG(s) the IOA addresses.
- (I) (United Nations, 2016) (II) (Cambridge University Press, 2020) (III) (Ministry of Agriculture and Livestock, 2013)
- (1) (Naciones Unidas, 2016) (2) (Entrevistas con actores sectoriales, 2020) (3) (Dirección General de Estadística, Encuestas y Censos, 2019) (4) (Dirección General de Estadística, Encuestas y Censos, 2020) (5) (PY04. Plan Estratégico de Educación 2008 - 2020, 2008) (6) (ABC Color, 2011) (7) (Banco Basa, s. f.) (8) (Entrevistas, 2021) (9) (Gobierno Nacional, 2014) (10) (Banco Central del Paraguay, s. f.) (11) (Banco Interamericano de Desarrollo – BID, s. f.) (12) (REDIEX & Ministerio de Industria y Comercio, 2019) (13) (Ultima Hora, 2021) (14) (ADN Político, 2017) (15) (pysnnoticias, 2018) (16) (Ministerio de Industria y Comercio, 2019) (17) (Créditos, 2013) (18) (Ley N°861 General de Bancos, Financieras y Otras Entidades de Crédito, 1996) (19) (Entrevistas, 2021) (20) (Andrea M. Wehrle Martínez, 2020) (21) (Mirna Beatriz Vera Notario et al., 2019) (22) (Ultima Hora, 2013) (23) (Dirección General de Estadística, Encuestas y Censos, 2020) (24) (SITEAL, 2021) (25) (AFD, 2021) (26) (Pedro Gerardo González, 2012) (27) (Luis Jiménez & Damián Gualpa, 2012) (28) (Análisis de PwC basado en información y datos de Prof. Damodaran, 2021)