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The document outlines a business plan to provide financing and educational services to private K-12 schools in India, including unsecured and secured loans, annual fee discounting, teacher training programs, and student talent tests. It analyzes the market opportunity in India's large private K-12 sector, presents products and services, provides financial projections, and introduces the founding team. The business aims to address financial and educational needs of private schools serving over 100 million students across India.
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This is a presentation to provide an overview regarding what methodologies can govt. and private sector apply in order to improve their education standards .Also how can govt.make its system more efficient in implementing the proposed solutions.
Here a main highlight is given on ABL- activity based learning methodology and remaining can be seen in the presentation.
Pre-School Model - Day Care Center
Day care centers are gaining importance in India as more parents work. The day care market is highly fragmented and untapped, with only 1% of preschoolers currently enrolled. Running a successful day care center requires factors like appropriate staffing ratios, suitable neighborhood location, educational activities, teacher training, brand awareness, and standardized infrastructure across franchises. XYZ and ABC are two business descriptions of existing day care center models in India, with details on their programs, fees, and service offerings. A strategic gap analysis identifies opportunities to expand service areas, age groups covered, and offer additional services like transportation, tutoring, and live streaming. Gurgaon is highlighted as a potential market for new day care centers given its growing population, economic
nec-2
- Primary education is a fundamental right in India and achieving universal primary education is a national priority and Millennium Development Goal.
- Both the national and state governments recognize education as critical for development and are investing major financial resources, but demand for education exceeds supply in terms of both access and quality at all levels.
- The World Bank aims to improve its impact on access, learning outcomes, and reducing skills shortages in India through various education projects and analytical work at all levels from basic to higher education.
Annex 3c part1_education
- Primary education is a fundamental right in India and achieving universal primary education is a key goal of both the Indian government and the World Bank. However, demand for education exceeds supply in terms of both access and quality at all levels.
- The World Bank has provided over $1 billion to India's education sector since 2000, focusing on projects to increase access to primary education, improve vocational education and training, and reform engineering colleges. Key challenges remain in improving education quality, expanding secondary education access, and ensuring skills training matches the needs of the job market.
- Stakeholder collaboration will be important to address issues around balancing access versus quality, determining public and private sector roles, and prioritizing support across different
Annex 3c part1_education
- Primary education is a fundamental right in India and achieving universal primary education is a key goal of both the Indian government and the World Bank. However, demand for education exceeds supply in terms of both access and quality at all levels.
- The World Bank has provided over $1 billion to India's education sector since 2000, focusing on expanding access to basic education, improving secondary education access and quality, reforming vocational education and technical education, and supporting research.
- Key challenges remain in finishing the expansion of basic education access, dramatically improving education quality at all levels, expanding secondary education access, and making vocational and higher education more relevant to the job market.
Annex 3c part1_education
- Primary education is a fundamental right in India and achieving universal primary education is a key goal of both the Indian government and the World Bank. However, demand for education exceeds supply in terms of both access and quality at all levels.
- The World Bank has provided over $1 billion to India's education sector since 2000, focusing on projects to increase access to primary education, improve vocational education and training, and reform engineering education. Key challenges remain in improving education quality, expanding secondary education access, and ensuring skills training matches the needs of the labor market.
- Stakeholder engagement and ongoing research are important to inform policies addressing issues like balancing access versus quality, the roles of public and private sectors, and prior
Relevant Policies for School Education Reform
The document discusses various public-private partnership models for school education in India. It outlines five types of partnerships including running schools with government infrastructure, fully private schools with subsidies, enhancing existing partnerships, private management of government schools, and holistic system-level partnerships. Key success factors discussed include adequate and sustainable funding, rigorous selection processes, autonomy for private players, and outcome-based evaluations. International examples from countries like the US, UK, and Pakistan are also provided. The Mumbai School Excellence Program is highlighted as a unique partnership model that has been cited in India's national development plans.
District Y Budget Analysis Presentation
ERS analysis of the budget and resource use in a small, urban California district. Includes recommendations for teacher professional learning, school redesign, teacher compensation, school planning support, and more.
team56
There is a large gap between the skills possessed by India's workforce and the needs of the job market. 80% of the workforce lacks marketable skills, and 85% of graduates are unemployable in high-growth industries. Vocational training capacity meets the needs of only 2.3 million people, while the gap is over 18 million. Solutions proposed include introducing vocational education streams aligned with industry needs, improving industry connections through internships and partnerships, and encouraging entrepreneurship through funding and recognition of startups.
OYO_Education
This document discusses reforms for public secondary education in Oyo State, Nigeria. It outlines the current challenges facing the education sector including inadequate infrastructure, large class sizes, and poor funding. Alternative management models are proposed to address these issues through public-private partnerships. These models would see private partners providing services like teacher training, facilities maintenance, and infrastructure development for a small number of public schools while the government retains control over educational standards and policy. The goals are to improve education quality and access through more efficient management and increased investment in schools.
Impress
The document proposes solutions to increase the employability of Indian youth by addressing the gaps between the skills taught in schools and those required by industry, such as increasing industry involvement in education, enhancing soft skills, implementing effective assessment systems, and introducing vocational training programs. It outlines steps for implementing these solutions, potential stakeholders, resource requirements, and ways to measure the impact and ensure sustainability of the proposed approach.
What Can Budget 2014 do for Education in India
The document outlines 15 funding proposals for the 2014 India budget related to education. The proposals include: 1) increasing spending on education to 3-6% as promised and linking it to governance processes and outcomes; 2) allocating funds to support school accountability, governance, and outcomes; 3) providing cash incentives and training for new teachers to reduce shortages. The proposals aim to improve various aspects of the education system including teacher performance, digital literacy, vocational learning, research, and financing options like student loans.
Session III: Yoon Ho-Kim - Youth Employment challenges and Korean Government'...
The OECD’s Regional Policy Network on Education and Skills aims to foster knowledge exchange in support of national growth and regional integration. The Network encourages a whole-of-government approach to formulating and implementing sound skills policies. It draws on the growing participation by Southeast Asian countries in the OECD’s education surveys and local job creation policy reviews, which provide valuable comparative data and analysis that can help countries in the region build more efficient and effective employment and skills systems.
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Role of Information Technology in Revenue - Prof Oyedokun.pptx
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Lecture slide on the Role of Information Technology in Revenue Generation and Collection
where can I find a legit pi merchant online
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
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how to sell pi coins effectively (from 50 - 100k pi)
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
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Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
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The Rise of Generative AI in Finance: Reshaping the Industry with Synthetic Data
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
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Seminar: Gender Board Diversity through Ownership Networks
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What price will pi network be listed on exchanges
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
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can I really make money with pi network.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
#pi network #pi coins #legit #passive income
#US
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Investor deck
- 3. Introduction India K-12 Market • India has 28.1% of the population between 0-14 years of age, the age group relevant for K-12 Schools • The current K-12 school system in India is one of the largest in the world with more than 1.5 million schools with 250+ million students • 25% of total K-12 schools (0.35 million) are private schools and growing at CAGR of 4% over the last 5 years. This segment contributes to approx. 40% of the enrolment. • By 2022 private sector K-12 schools will account to 55-60% of the total enrolments and approx. another 1.3 lakhs schools to be opened Introduction
- 4. Introduction India K-12 Market • The current per capita (PPP basis) spend on education is $500, This is four times less than that of upper middle income countries • There is a Fund deficit of $ 375 Billion to attain the four basic premise of vision 2030 for education $500 Per Capita Spend $2000 Per Capita Spend $375 Billion Vision 2030 Introduction
- 5. Access to Finance Source providing funding in completely non-existent Low Basic Study Skills 56% students of class VIII can’t do basic math 27% can’t read Unpredictable Cash Flow Cash non-availability creates a catch22 situation Poor Quality of Teachers Max Impact on School overall performance and reputation Secured & Unsecured School Financing Student Talent Test Annual Fee Discounting Train The Teachers • Improved access to finance and personalized line of credit • More efficient and effective and rationalized basic study skills • Improved teacher quality impacting the overall school performance • Predictable cashflow i.e. better planning and investments 4.8 lakhs private school Impacting lives of 100 million students Need, Solution and Impact
- 6. Advantage A comprehensive service deliver strategy, involving a 360⁰ engagement of all the stakeholders, including schools, teachers & students, addressing present and underlying needs and aspirations: • Tailor made financial solutions for private (all segments) of K-12 schools - Secured and Unsecured Loans • Annual Fee Discounting, one of it’s kind of service, enables schools to leverage the annual school receipts at the beginning of academic year • Relevance of learner centric paradigm in education, by developing the intellectual & competitive qualities in students, by Student Talent Tests • Train The Teacher(T3) for Teachers, module Student Teacher School School Finance Academic Performance Improvement Programs Academic Input Improvement Programme
- 7. Product Five products to cater to entire gamut of private unaided K-10 & K-12 schools and focus on complete engagement of all the stake holders of schooling environment (owners, teachers, students and parents), namely: • Annual Fee Discounting – (AFD): An innovative 11 month very short term unsecured, working capital product, leveraging annual “banked fee” receivables. • Unsecured School Financing - (USF): Another unsecured loan product, leveraging annual fee, both “banked” and “cash” receivables. • Secured School Financing- (SSF): A secured loan product, for higher loan funding, credit risk is secured by way of asset. • Train the Teachers – (T3): A basic training & development product, aimed at defining & refining the pedagogical approach of teachers, for better connectivity and content with students and curriculum. • Student Talent Test – (STT): A student talent test aimed at promoting interest and spirit of competition in the area of academics, primarily in core subjects like English, Science & Math
- 8. Market School Finance Secured & Unsecured We surveyed 50 K-12 schools across Delhi NCR and our primary research suggests: • Nearly 60% of schools have need for funds • 85% schools have existing financial commitments (majority secured) • 80% of finance is at inception and provided by Banks (PSU) Based on our Sample Size and projections* the overall market size in Delhi NCR stands at INR 1250Cr across 1200 private K12 schools ( Affordable and High End) • The addressable market across India is approx. $90 Billion* Annual Fee Discounting • School Fees is the prominent source of revenue and approx. 25% fees* is not received on time by schools • The impact on cash flow is approx. 250 Cr in Delhi NCR • The total school fees market is approx. INR 1000Cr per annum in Delhi NCR School Finance Infrastructure Enhancements Expansion/New Geo Penetration Quality Improvement Required for
- 9. Competitor Ecosystem • Varthana • Bangalore based firm focusing on providing loan to affordable private schools • Started operations in 2013 with a gross loan portfolio of $35 million • Indian School Finance Co Pvt. Ltd • Delhi based Lenders to organizations ( schools, colleges, coaching centers etc.) in education sector • Started operations in 2008 and has presence in 15 states with gross loan portfolio of $ 44 million • Shiksha Finance • Chennai based lenders to affordable private schools and students • Started operations in 2016 and has presence in 3 states with gross loan portfolio of INR 32CR • Others • Very sporadic lending by banks and other NBFC
- 10. Cost & Revenue Annual Fee Discounting Portfolio: FY Target Audience Nos. (Schools) No. of Students @ (Average 270) Average Annual Fee (Greater Than) Percentage of Parents - Delayed Fee payments Conversion Ratio for onboarding of Schools Onboard Numbers Gross Fee Receivables - INR Cr Gross Fee Discounting @ 55% RTV Processing Charges @ 1.5% DV Interest Charged from Partnering School @ 12% - INR Cr Commisions & Pay- ins Gross Revenue (PF + Interest + Pay- ins) 2020 - 2021 250 67500 36000 25% 40% 100 972000000.00 534600000.00 8019000.00 35382749.12 1603800.00 45005549.12 2021 - 2022 287 77490 36000 25% 43% 123 1199545200.00 659749860.00 9896247.90 43665850.70 1979249.58 55541348.18 2022 - 2023 330 89100 36000 25% 47% 155 1507572000.00 829164600.00 12437469.00 54878643.90 2487493.80 69803606.70 2023 - 2024 375 101250 36000 25% 50% 188 1822500000.00 1002375000.00 15035625.00 66342654.61 3007125.00 84385404.61 Total 1444 577600 566 5501617200.00 3025889460.00 45388341.90 200269898.33 9077668.38 254735908.61
- 11. Team & Contact Ankit Shyam Contact Information - linkedin.com/in/ankit-shyam-2119156 Abhishek Srivastava Contact Information - linkedin.com/in/loan-zing-67b519171