InvestEd Gives an Opportunity for Every Young Person

The Challenge

Lack of Higher Education Perpetuating Poverty

A college degree is essential for the economic mobility of poor families. To date, 76% of Philippine employers are still not open to hiring non-college degree holders (, 2018). Many underprivileged youths who cannot afford to start or finish their college degree, settle for informal work or simply remain unemployed.

The Philippines’ College Financing Problem

On average, a Filipino student needs at least Php 60,000 annually for school tuition and stipend. For low-income and poor families who have an annual household income between Php 0 to Php 190,000, college is a difficult feat (Philippine Statistics Authority). Additionally, since the lower class are unbanked and lack credit history, 95.6% of borrowers in the Philippines are not able to get student loans from banks (BSP, 2015).

Two Women Engineers. One Dream.

InvestEd is an award-winning social enterprise led by two women engineers, who dream of changing the game for underprivileged students. Back in college, they witnessed many of their peers drop out due to financial difficulties. They thought, how come in developing countries such as the Philippines, inclusive and sustainable student loan programs for the poor do not exist? It was with that curious thought that they started venturing into a business that would help underprivileged college students on a systemic scale. That is how InvestEd was born.

Our 2025 Vision: InvestEd as One of the Most Inclusive and Sustainable Student Loan Companies

InvestEd empowers college students from all socio-economic classes by providing success loans that ensure a significant return on investment for every borrower. We envision ourselves as one of the most inclusive and sustainable leaders in education financing by 2025.

Our Investee Success Platform

In the Philippines, 22% of unemployed youth are college graduates (Philippine Statistics Authority, 2018). InvestEd is addressing this education-to-employment problem, through the InvestEd Success Platform- a high-tech training and coaching program for marginalized college students. The platform provides students from low-income and poor families training and coaching on employment, career development and financial literacy.
Mirte Gosker smiling in white dress

Mirte Gosker

What I personally really like at InvestEd, is that it was started by two young women. There is still a huge gap in gender equality in the world and men are overrepresented in governments, boards and also amongst startup founders. I’ve come across many courageous Filipino women and truly admire their strength. I’m looking forward to see Carmina and Melissa succeed in their cause and become role-models for women across the world to fix those things that need fixing.

Executive Director of Vanderes Foundation

Jasen Ko wearing a suit

Jasen Ko

I believe the assistance InvestEd provides at the very critical moment of finishing college and finding a job is a difference maker in getting the right start. The commitment and passion Carmina and the team demonstrates is both inspiring and confidence building.

CEO of Laborem Inc.

Portrait of a sitting male from InvestEd

Jose Gabino L. Dimayuga

In its search for a partner whose objectives complements its own, the Rodolfo and Milagros Dimayuga Memorial Foundation Inc. was introduced to InvestEd in 2018. InvestEd turned out to be a perfect fit as its “Impact Business” model, where it is profit seeking yet puts its positive impact on society as a top priority, aligns well with the vision of the Foundation to sustainably assist underprivileged but deserving youth obtain a college degree consistent with the thrusts of the Foundation. We look forward to nurturing and further expanding this relationship in the coming years.

Vice President of Rodolfo and Milagros Dimayuga Memorial Foundation Inc.

43.37% of our Investees are the first in their family to attend college



17% poor
37% low-income
46% middle-income

34% had previously dropped out at one point in their college life due to financial problems

21% had parents who borrowed from predatory moneylenders before InvestEd

34 days average job placement rate of our graduated Investees. Much faster than the national average of 130 days

24% to 320% increase in household income for our graduated students

Our graduates’ average salary is 40% above Metro Manila’s minimum wage

Ready to Empower Our Future?

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Take the first step in helping our Filipino Youth.