CodersTrust Bangladesh Student Fund

1. Raising a 20M USD Student Fund to
Educate 25.000 High Earning
IT Freelancers in Bangladesh

2. CodersTrust at a Glance
| Company Presentation - CodersTrust Student fund2
We provide microfinance for IT talents to upgrade their skills, so they can earn
more money on freelance portals
22 full time
employees
4000 applications
and 450 students
Raised 1.2M USD from
private angels and
institutional investors
Partners with Grameen
Solution, Elance, Upwork,
Bank Asia, and DANIDA
As featured in: Headquarter in
Copenhagen,
Denmark (2013).
Operational Office in
Dhaka, Bangladesh
(2014).
Operational office in
New Delhi, India
(2015.

3. Meet Ella – a low
skilled freelancer from
Bangladesh working for
2 USD/hour on
freelance portals

4. Ella is
| Company Presentation - CodersTrust Student fund4
… one out 500.000 freelancers in Bangladesh
… 14M freelancers worldwide
… a market that will grow to 160M by 2020*
0M 2M 4M 9M 12M 16M
25M
50M
90M
125M
165M
Jobscreatedononlinelabormarkets(inmillions)
160
140
120
100
80
60
40
0
20
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020

5. We Provide Microfinance for
Talents to Upgrade their Skills,
so they can Earn more Money on
Freelance Portal

6. Ella applies online and CodersTrust uses her
online track record to approve her student loan
and course admission
| Company Presentation - CodersTrust Student fund6
Sign Up!1. 2.
username@mail.com
3. 4.Importing
CodersTrust
automatically imports
and displays your data
from the E-learning and
freelance portal.
Get Funded
Now you are ready to
manage your work, e-
learning and get funding
in one place.
Link Account
Login to your online
workplace account once
to link them to
CodersTrust

7. Ella follows courses and is part of an
interactive learning community
| Company Presentation - CodersTrust Student fund7
1. Livecoding sessions with
Industry experts.
2. 1-on-1 mentorship from
industry experts,
4.
Online Q&A knowledgebase
and tracking with GitHub forum
integration.
3. Automated code review
with Codacy
5. Livecoding sessions with
Industry experts.

8. Ella receives job recommendations that
best matches her current skills
| Company Presentation - CodersTrust Student fund8
TOP 10
Recommended Jobs
Matching Skills with Demand
+25.000 Jobs
posted weekly
Skill Level

9. Ella receives 90% of her income through an automated
payment split process from Payoneer - the remaining
10% will go to CodersTrust
| Company Presentation - CodersTrust Student fund9
$450
SALARY SPLIT
INSTITUTION
MICROFINANCE
40%
LENDER
10%
CodersTrust
50%
STUDENT
$1000
$450$360
Freelancer tasks
Client pays student
Amount is splitted in the
cloud
Automatic transfer to
each account

10. Ella is not alone –We already have 5.000 screened
loan applicants ready and repayment data on 150
students
| Company Presentation - CodersTrust Student fund10
Media reach, social networks 17k
likes on Facebook
Sign up for free profile 5000
Applicants 4000
Enrolled students 450
Registered loans 52
Students earning money 150

11. Proven Platform for Student Funding
| Company Presentation - CodersTrust Student fund11
Online
freelancers
Freelance
portals
Turn Key for Student Fund
E-learning
center
Freelance job
scanner
Financial loan
distribution and
repayment gateway
Daily Collections CodersTrust
API
Loan Sales
With Asset
Visibillity
Data Analytics and
performance
tracking
Proprietary Credit
Model
DATA SOURCES
1st online based, student lending platform
• Over 5.000 loan applications processed
• Over 150 student earning money and repaying loan
+5000
screened
applicants
Raising $20M of
capital for
student loans
Freelance
Platfom
Finance
Platfom
E-learning
content
Capital
Sources

12. BIG Data – Small loans – Big Impact
| Company Presentation - CodersTrust Student fund12
We use big data, complex algorithms and automated workflows to democratize
access to education and the online labor market creating trust in the new
generation of the online and on-demand workforce.
Profiling
and testing
Performance
Measurment
Credit
scoring
Learning
Progress
Earning
performance
Unique and
deep data on
freelancers
BIG DATA on
freelance
profiles
Channels :

13. At CodersTrust We are always Looking for more
Data to Improve Model Performance
| Company Presentation - CodersTrust Student fund13
60%
Version 1
65%
Version 2
85%
Version 3
95%
Version 4
▶ More student/freelance data to model on
▶ More loan history to model on
▶ More data points on each loan
▶ Result : Better model performance and Coverage

14. Who is investing into the fund
| Company Presentation - CodersTrust Student fund14
Raised venture capital as
collateral for the loans
Local financial institutions
Government/Impact investors
Strategic investors
High Worth Individuals
Institutional investors
United Nations
Development Programme
BANK ASIA
CodersTrust
Accenture
Angel investors
Financial institutions

15. Overview of Benefits for All Stakeholders
| Company Presentation - CodersTrust Student fund15
STAKEHOLDERS BENEFITS
CodersTrust
• Access to growth capital to scale up operations
• Access to a stable and predictable revenue stream without labor intensive fundraising
Investor
• Achievement of financial returns and social impact
• Participation in new asset class with portfolio diversification benefits
Government
• Accountability for taxpayer funds
• Reduction in the need for costly downstream remediation
• Increased supply of effective services for citizens without financial risk
Communities
• Access to an increased supply of effective social services
• Reduction in the need for crisis-driven interventions

16. Benefits for Governments
| Company Presentation - CodersTrust Student fund16
The cost onboarding students on local or online labor market
Cost to
Government
($100 Million)
Government cost
saving ($35 Million)
Cost of
Intervention ($40
Million)
Cost to Government
($25 Million)
Status Quo With CodersTrust
Intervention

17. Benefit for Our Students
| Company Presentation - CodersTrust Student fund17
$14/hour
Salary in 2nd Y
$700
Monthly Salary after 1st Y
$22,000
Total earning in 3rd Y
Scoring
Of performance
4
8
12
0
Wk 1 Wk 2 Wk 3 Wk 4 Wk 5 Wk 6 Wk 7 Wk 8 Wk 9 Wk 10 Wk 11 Wk 12
▶ FIRST CODING JOB
▶ EXPERT WEB
DESIGNER FRONT END
▶ DESIGN WEBSITES,
UI/UX
▶ START LEARNING
▶ NO CODING SKILL
Skill & $

18. Suitable Impact for a Nation
| Company Presentation - CodersTrust Student fund18
100,000
IT talents
1,500,000
Empowered
$ 2,56 Billion
Student earning Y3
50
Learning Center
500
Mentors

19. How to Invest Into the Fund
| Company Presentation - CodersTrust Student fund19
1. Select target group and product
Target Group End skills
Introduction course
1. Poor English skills
2. Zero IT/Computer based knowledge
3. Non-existent IT hardware skills (how to use PC,
turn it on/off and etc.)
1. Operational skills in Microsoft Office: Word, Excel, Power Point
2. Basic English & Communication knowledge
3. Usage of Social Media, e-mail and other online communication tools
Basic course
1. Basic computer operations using MS Office
2. Internet Browsing
3. Data entry
1. Front-end Web Development: student will be able to create any type of
website design & development.
2. Responsive Web and UI design ser Interface/User Experience Development
(UI/UX)
3. PHP Based Web application development
2. Choose investment
investment per student
Investment per 100
student batch
Investment per 500
student batch
Introduction course 250 USD 25.000 USD 125.000 USD
Basic course 500 USD 50.000 USD 250.000 USD

20. Returns, Monitering and Access
We target a 5% anual return over a 5 year period
| Company Presentation - CodersTrust Student fund20
Financial Investor dashboard:
• Track performance in real-time
• Track student activity
• Track/monitor repayment
Strategic Investor dashboard:
• Access student ranking & performance
• Recruit students based on performance

21. Team will make it happen
| Company Presentation - CodersTrust Student fund21
Global team
Several serial entrepreneurs and
specialists that are determined to
make a difference in the world.
Expertise
• Operation
• Fundraising
• Financial Inclusion
• Developing countries
• Scaling
FERDINAND KJÆRULFF ASSER SMIDT JAN-CAYO FIEBIG
FOUNDER & CEO CO-FOUNDER &
HEAD OF PRODUCT
CO-FOUNDER & CFO
FERDINAND KJÆRULFF LONE FØNSS SCHRØDER AMAR DUGGAL
FOUNDER & CEO SENIOR ADVISOR, CREDIT SUISSE
PROFESSIONAL BOARD MEMBER
CFO & BOARD MEMBER

22. LetsInspire
The Next Generation
To Realize Their
Highest Potential