Vittana makes it possible for you to make small micro-loans -- as little as $25 -- to students in the developing world. Our mission is to jump-start student loans in the developing world through person-to-person lending. http://www.vittana.org/lend

1. Students in school, one loan at a time
Kushal Chakrabarti
Co‐Founder and CEO, Vittana Foundation
kushalc@vittana.org

2. Lend $25 to 20‐year‐old Paraguayan studying accounting
“Secret Sauce”
• vocational school
• urban
• children of current
microfinance
borrowers
• partner with
microfinance banks,
who manage loans
• emerging vs.
developing countries
http://www.vittana.org/lend

3. Lend $25 to Katherine studying administration
Typical loan
• 18‐25 years old
• 6‐24 mos. to full
repayment
• $500‐$1500 total
amount
• bank teller is #1
profession
• Peru, Paraguay,
Mongolia, Vietnam
http://www.vittana.org/students/...

4. Microfinance — $17 billion platform
Grameen $731.5M
Unitus $1.085B
Kiva $36.1M
15.25
1.85
(in billions)

5. Why no student loans in developing world?
• Until student loan model
is proven, capital won’t
flow in
• Until capital flows in,
model can’t be proven
• MF banks want to lend to
students: HKL, Ujjivan,
XacBank, AFODENIC,
FuPa, mimo, etc.

6. Catalyze global, market‐driven student loan system
Reaction
Energy
By enabling MF banks to
lend to students,
• not only do 100K
graduates get jobs,
• but 100K employees also
simultaneously begin
proving feasibility of
student loan model

7. Student micro‐lenders from across the US

8. $1000 of SROI for every $1 of angel philanthropy
• Break‐even after 9 Qs
+ $600K angel today
• $25M student loans
over same period
• Per $800 loan, $20K in
add’l wages for grad
• Equals SROI of $1000
for every $1 of angel
today
$0
$250
$500
$750
$1,000
Your Angel Dollars Your Impact
(it’s there, I promise!)

9. Team: Energy of youth + Wisdom of age
Kushal Chakrabarti
Co‐Founder and CEO
• Ran Amazon personalized recommendations
team ‐‐ 25+ patents, papers, talks
• 2x Ironman triathlete
Brett Witt
Co‐Founder and CTO
• Programming for 16 years
• Built Amazon systems serving customer
purchase data
Nick Cain
International Partnerships Manager
• Newest hire, most recently at Kiva
• B.A., Columbia ‘06
Selected Advisors:
Matt Flannery
Kiva, CEO
Dave McClure
Founders Fund, Partner
Mike Murray
Unitus, Founder
Kim Rachmeler
Amazon, VP
Dave Schappell
TeachStreet, CEO
Joel Spiegel
Amazon, SVP
Randi Zuckerberg
Facebook, VP

10. Status + Need
Status
• 11 MF partners: Mongolia, Peru,
Nicaragua, Vietnam, Mexico, ...
• Broad Seattle (AMZN, MS,
Unitus) backing: http://bit.ly/
3MPO0m
• Already raised $230K. Lead
angels: Joel Spiegel (AMZN),
Mike Murray (MS).
• In due diligence for Draper
Richards
Needs
• Venture philanthropy. Asking
for $25‐50K angel donors to
grow team and reach scale.
• Lend to students. Katherine:
http://bit.ly/4uqa9Z
• Help get word out. Bloggers,
tweeps — come find me.