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Coderstrust Student Bonds
The document proposes student bond investments to fund technical education in emerging markets. It describes challenges with traditional funding models and introduces CodersTrust, which would issue bonds for private investors to fund online learning programs. This would help students develop skills, find freelance work, and repay loans, while investors receive returns. The proposal outlines the benefits for students, investors, governments and communities, and provides examples of how the model could work and its potential social impact.
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Coderstrust Student Bonds
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- 2. CODERSTRUST | Problem Funding TECHBASED EDUCATION in emerging markets STUDENT BONDS | INVESTMENT PROSPECT 2 States and financial markets are currently not solving the youth unemployment problem in emerging markets. Why not? • Difficult for Governments to impose taxation on companies to fund public education • Educational services aimed at the world’s poorest people do not yield sufficiently high financial returns to attract private investment, despite their obvious benefits to society • Cuts on governmental budgets
- 3. CODERSTRUST |STUDENT BONDS| INVESTMENT PROSPECT 3 Invest in Students bonds in Emerging Market enabling students to upgrade their skills and earn more money as global freelancers CodersTrust transforms the social problem of access to education and youth unemployment into an “investable” opportunity for private investors.
- 4. CODERSTRUST | Fully automatedfinancial system to collect repayment of loan from students earnings on freelance portals 4 MICROFINANCE INSTITUTION SALARY SPLIT 50% LENDER 40% STUDENTS $450 $360 10% $360Mobile Payment FREELANCING TASK 10% 1000 USD STUDENT BONDS | INVESTMENT PROSPECT
- 5. CODERSTRUST | Real-time trackingof Student Online Learning&Earning Curve 5 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 Soft skills acquisition First real tasks from customers First reviews on freelance portals Average earning/ h is based on the skills acquired and may change based on the country. Job interview preparation IT skills acquired Earnings/ hour STUDENT BONDS | INVESTMENT PROSPECT
- 6. CODERSTRUST |STUDENT BONDS| INVESTMENT PROSPECT 6 CodersTrust Student Bond Models SOCIAL IMPACT INVESTMENT BONDS BOND PRIVATE FUNDERS INTERMEDIARY CODERSTRUST GOVERNMENT 1 5 2 3 4 1. Investment 2. Working capital 3. Outcome & budget saving 4. Performance based payment 5. Principal + ROI PRIVATE FUNDERS INTERMEDIARY CODERSTRUST 1 5 2 STANDARD CORPORATE BOND STRUCTURE 1. Investment 2. Working capital 5. Principal + ROI
- 7. CODERSTRUST | Overview OfBenefits for All Stakeholders STUDENT BONDS | INVESTMENT PROSPECT 7 STAKEHOLDER BENEFITS • Access to growth capital to scale up operations • Access to a stable and predictable revenue stream without labor intensive fundraising • Achievement of financial returns and social impact • Participation in new asset class with portfolio diversification benefits • Accountability for taxpayer funds • Reduction in the need for costly downstream remediation • Increased supply of effective services for citizens without financial risk • Access to an increased supply of effective social services • Reduction in the need for crisis-driven interventions INVESTOR GOVERNMENT COMMUNITIES
- 8. CODERSTRUST | Benefits ForGovernments The Cost of onboarding students on the local or online labor market STUDENT BONDS | INVESTMENT PROSPECT 8 With CODERSTRUST Intervention COST TO GOVERNMENT ($100 MILLION) GOVERNMENT COST SAVINGS ($35 MILLION) COST OF INTERVENTION ($40 MILLION) COST TO GOVERNMENT ($25 MILLION) Status Quo
- 9. CODERSTRUST | Benefits ForOur Students STUDENT BONDS | INVESTMENT PROSPECT 9 $700 Monthly Salary after 1Y $14/h Salary in Y2 Scoring of performance $22.000 total earnings in 3Y NO CODING SKILLS START LEARNING DESIGN SIMPLE WEBSITE DESIGN WEBSITES, UI/UX EXPERT WEB DESIGNER FRONT END FIRST CODING JOB 1 2 3 4 5 6 7 8 9 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 SKILL & $ B CODERSTRUST |
- 10. CODERSTRUST | Benefits ForInvestors STUDENT BONDS | INVESTMENT PROSPECT 10 A CAPITAL GUARANTEE A TERM IN THE RANGE OF FOUR TO 10 YEARS A MARKET RATE OF RETURN
- 11. CODERSTRUST | Sustainable ImpactFor A Nation – Bangladesh Case STUDENT BONDS | INVESTMENT PROSPECT 11 1.500.000 Empowered 500 Mentors 100.000 IT Talents 50 Learning Center $2.56 Billion Student earnings Y3 CODERSTRUST |
- 12. CODERSTRUST | Target MarketOf Private Capital For The Student Bonds Where investment capital lives? STUDENT BONDS | INVESTMENT PROSPECT 12 Insurance Companies 39% Sovereign Wealth Funds 9% Pension Funds 48% Foundation. Development Finance Institutions. High Net Worth Individuals 4% Source : OECD, Foundation Center, NACUBO, Overseas Development Institute, Deloitte Analysis
- 13. CODERSTRUST | CodersTrust DealmakingProcess With Target Governments STUDENT BONDS | INVESTMENT PROSPECT 13 ORIGINATE DEAL SECURE GOVERNMENT CONTACT STRUCTURE INSTRUMENT RAISE CAPITAL MANAGE PROJECT OVER INSTRUMENT’S LIFE • Identify government champions & savings opportunities • Vet models of intervention • Perform nonprofit due diligence • Conduct financial modeling • Develop & secure government contact • Secure authorization for multi-year contract • Formulate partnership agreement with metric & payment term • Develop operating model & structure investment vehicle • Articulate cash flows, including financial & social returns for target milestones • Finalize methodology, including metrics & evaluation strategy • Recruit investors • Issue the instrument & raise investment capital • Provide active ongoing project management & financial intermediation • Make course corrections as needed • Coordinate third-party evaluation 1 2 3 4 5
- 14. CODERSTRUST | Team 14 FERDINAND KJAERULFF FOUNDER& CEO ASSER SMIDT CO-FOUNDER & HEAD OF PRODUCT JAN-CAYO FIEBIG CO-FOUNDER & CFO MORTEN LUND CHAIRMAN OF BOARD AMAR DUGGAL BOARD MEMBER LONE FØNSS SCHRØDER SENIOR ADVISOR, CREDIT SUISSE PROFESSIONAL BOARD MEMBER Several serial entrepreneurs and specialists that are determined to make a difference in the world. GLOBAL TEAM • Operation • Fundraising • Financial Inclusion • Developing countries • Scaling EXPERTISE STUDENT BONDS | INVESTMENT PROSPECT
- 15. CODERSTRUST | Supporters 15 SAJID RAHMAN STRATEGICADVISOR DOUGLAS RUSHKOFF Media theorist, writer, columnist, lecturer and documentarian MARK MEDISH SpecialAssistantto President BillClinton & President of GuggenheimInternational AZIZ AHMAD Managing director of Grameen Solutions HESSA KHALIFA ALKHALIFA PRINCESS OF BAHRAIN World known influencers and leaders in their field share the same vision and believe in CodersTrust • Corporate partnerships • UN / World Bank • World media • Educational partnerships • Local governments • India / MENA market ACCESS TO MR. KHAN SECRETARY OF ICT BANGLADESH STUDENT BONDS | INVESTMENT PROSPECT
- 16. CODERSTRUST | Lets InspireThe Next Generation To Realize Their Highest Potential 2015