MFI/Bank Marketing Kit

Student Loan
& Education Accessibility

For All Borrowers — Employed, Self-Employed & Informal Sector

Target: Microfinance Institutions & Commercial Banks

Active

Loan Facilitation

95%+

Target Repayment

50+

Partner Institutions

100%

Digital Process

Executive Summary

Tech-Enabled Student Financing Ecosystem

FutureCampus Africa offers MFIs and banks a fully compliant, tech-enabled student financing ecosystem, complete with direct-to-institution disbursement, integrated University Management Systems (UMS) for real-time reconciliation, and structured repayment solutions tailored to employed professionals, small business owners, and informal sector guardians.

Our platform enables financial institutions to scale their education lending portfolios with minimal operational burden, reduced risk, and full regulatory transparency. while delivering measurable social impact by increasing student access to higher education.

Inclusive Borrower Coverage

Our platform serves all borrower segments — from salaried employees to informal sector guardians and small business owners — with flexible repayment structures tailored to each:

Employed Professionals

Automatic payroll & salary deductions

Small Business Owners & Traders

Mobile money & flexible repayment plans

Informal Sector Guardians

Flexible collateral & guarantor options

Multiple Repayment Channels

Payroll deductions, mobile money (Airtel/MTN), bank transfers, and agent-assisted collections — ensuring every borrower segment has accessible repayment options.

Program Features

End-to-end digital infrastructure for education financing

Direct-to-Institution Disbursement

Funds flow directly to educational institutions, eliminating diversion risk and ensuring tuition is paid.

  • Real-time payment tracking
  • Automated reconciliation
  • Digital payment confirmation

UMS Integration

Deep integration with University Management Systems for enrollment verification and academic tracking.

  • Enrollment verification
  • Academic progress monitoring
  • Completion tracking

Structured Repayment

Multiple repayment channels including automatic salary deductions and mobile money integration.

  • PMEC auto-deduction
  • Mobile money payments
  • Bank transfer options

Risk Mitigation

Comprehensive risk controls including credit scoring, employment verification, and guarantor requirements.

  • Credit bureau integration
  • Employment verification
  • Guardian/guarantor system

Full Compliance

Bank of Zambia compliant operations with complete audit trails and regulatory reporting.

  • BOZ compliance
  • Complete audit trails
  • Regulatory reporting

Portfolio Analytics

Real-time dashboards and analytics for portfolio performance monitoring and decision making.

  • Real-time dashboards
  • Performance metrics
  • Predictive analytics

Loan Products

Tailored financing solutions for different borrower segments

Standard Student Loan

Full tuition coverage for enrolled students

Amount Up to K50,000
Term 12-48 months
Rate Competitive

Requirements

  • • Proof of enrollment
  • • Guardian/guarantor
  • • Valid ID documents

Device Financing

Laptops, tablets & learning devices

Amount Up to K15,000
Term 6-24 months
Rate Low interest

Features

  • • Direct device delivery
  • • Warranty included
  • • Software packages

Civil Servant Financing

For government employees & dependents

Amount Up to K100,000
Term 12-60 months
Repayment Auto PMEC

Benefits

  • • Automatic deductions
  • • Higher limits
  • • Lower rates

Informal Sector Guardian

For SME owners supporting students

Amount Up to K30,000
Term 6-36 months
Collateral Flexible

Requirements

  • • Business proof (6+ months)
  • • Mobile money history
  • • Guarantor optional

Operational Workflow

5-step end-to-end process from application to repayment

1

Onboarding

  • • Student registration
  • • Institution verification
  • • Document upload
  • • Guardian linkage
2

Application

  • • Loan request
  • • Fee breakdown
  • • Credit scoring
  • • Risk assessment
3

Approval & Disbursement

  • • MFI/Bank approval
  • • Contract signing
  • • Direct disbursement
  • • Enrollment confirmed
4

Repayment & Monitoring

  • • Auto-deductions
  • • Mobile money payments
  • • Progress tracking
  • • SMS notifications
5

Risk Controls

  • • Early warning system
  • • Collection workflow
  • • Guarantor activation
  • • Recovery management

Why Partner With Us?

Benefits for MFIs and Commercial Banks

Low Risk Profile

95%+ target repayment through structured deduction channels and flexible collection methods

Operational Efficiency

100% digital workflow reduces manual processing

Portfolio Growth

Access a growing pool of verified student borrowers

Full Compliance

BOZ compliant with complete audit trails

Social Impact

Measurable impact on education accessibility

White-Label Tech

Ready-to-deploy platform with your branding

Dedicated Support

24/7 technical and operational support

Training Program

Comprehensive onboarding for your team

Our Partners

Working with leading financial institutions and education providers

CDT Group

Strategic Education Partner

GRZ PMEC

Government Deduction System

PotaEasy Finance

MFI Partner

Envision Finance

MFI Partner

Interested in joining our partner network?

Apply as Partner

Ready to Transform Education Financing?

Join our growing network of MFIs, banks, and institutions committed to increasing education accessibility across Africa.