InvestEd Story


The Challenge

Economic growth

Inclusive Economic Growth

The Philippine economy is projected to be the 16th biggest economy by 2050. Despite this impressive economic growth, it has fallen short from being inclusive, with a lot of Filipino families left behind and stuck in poverty. According to the Philippine Statistics Authority, more than 52% of the Philippine population are considered low-income to poor and for most of these families, the only way out of poverty is a college degree.

Graduation cap

The College Access and Completion Problem

On average, a Filipino student needs at least Php 60,000 annually to properly attend college. For low-income families who have 4 children on average, and an annual household income between Php 95,000 to Php 190,000, college is a difficult feat. Students from these families are then stuck in a vicious cycle- they struggle to earn a college degree due to their lack of financial capacity.

The country’s dropout problem has persisted because there is no suitable college financing option for low-income students. Scholarships often exclude middling yet capable students. Government student loans are insufficient because for every dollar a Filipino student needs to go to college, the government has only allocated 8 cents. Bank loans cannot be accessed by low income parents due to lack of credit history. Microfinance Institutions are accessible by low-income families, yet only provide emergency education loans up to $600 that require to be paid immediately, even if the student is still studying.

Sources: Philippine Statistics Authority, Commission on Higher Education, World Bank
Invested people

InvestEd's Solution

Our Student Loan Program allows students to borrow money for all their education needs, and only requires them to pay after graduation. It can be for their tuition, daily stipend, housing, school materials and/or project and thesis expenses.

We leverage the power of technology in order to provide financial services to unbanked youth and operate at costs much lower than traditional financial institutions. This allows us to provide affordable student loan services, with interest rates of 1.67%-2.92% per month, much lower than predatory lenders with rates of 10%-20% per month.

The Investee Success Program

To ensure our student borrowers’ continuous success, we go beyond and provide them with a specialized career and financial literacy training program. Through it we empower our graduating borrowers to gain meaningful employment, succeed in their careers and loan repayment. The program also exposes the students to InvestEd’s employer partners.

Five year plan

The Five Year Vision

Personal development training to help investees envision their five year personal and employment goals.

Timeline: Sembreak before last semester

End output: Employment goals

Dream job

Career Training Modules

(1) Resume preparation (2) Job Interview (3) Job Hunting Like a Pro (4) Salary Negotiation (5) The Power of Communication and Networking (6) Managing Your Boss and Colleagues (7) Moving up the Career Ladder

Financial goals

Setting Financial Goals

(1) Design Thinking at Every Life Stage (2) The Basics of Personal Finance (3) How to Save for a Rainy Day Fund (4) Freelancing and Skill Building (5) Loan Repayment Budgeting



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


of our employed Investees have salaries above the NCR Minimum Wage, so none of them are underemployed.

33 days

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

₱ 3.8M

raised from individual and corporate lenders

Alvin glenn rectangle

"Natuto ako kung paano yakapin yung buhay talaga kasi iba yung student sa magiging employee ka na. Ang plano ko po talaga pag naging successful na ako ay ishare sa next Investees kung paano ako naging successful. Gusto ko ishare sa kanila kung bakit ako nakarating dito, syempre dahil sa InvestEd."

BS Information Technology
Rio marie circle

"Doon sa seminar sa resume, narealize ko na pinag-iisipan talaga ang ilalagay doon (sa resume). Hindi lang basta lagay nang lagay."

Rio Marie
BS Information Technology