1. Enrollment ratios in higher education are much lower in rural areas (51.1%) compared to urban areas (66%) in India according to government data. 2. The proposed bursary program will provide 50% tuition funding for low-income and female students in India to study at reputable Asian universities, with the remaining balance as an interest-free loan. 3. The program aims to identify passionate and talented students who may lack top academic results through a video submission process, in order to increase access to education and opportunities for underprivileged groups.

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3. In India:
“ Enrolment ratio based on eligible students is 4 times higher in urban areas
than in rural areas.
- University Grant Commission, statutory body of the Government of India
”
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4. 1. Local Education lacking in quality places
2. Scholarships too few
3. Loans require guarantee/ collateral poor
not eligible
4. Low-income students lose chance to gain
skills for social progress
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5. Value-Add:
Core Proposition
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6. Program Details:
Academic Criteria:
Amount:
Place in reputable Asian/ No Bond with SG at the
50% tuition fee
local universities on list end
Remaining: interest-free
Unrestricted course of
loan without guarantee
study
Target Group:
Income Cap:
Female Priority 30-40% average monthly
income in India
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7. Key: Passion/ talent Key: Identify Soft Skills Key: Character selection;
•NGO work & Creativity Fit with SG’s culture
•Personal stock portfolio •30%: online response •Further differentiation
•Novel Writing •70%: judge panel
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9. • Direct marketing to target audience
– Promote bursary program directly in
Indian high schools
– Collaborate with the local NGOs
– Spread word through village heads
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10. • Self-promotional video on Facebook
• Screening criteria
– creativity though interesting video ideas
– resourcefulness through online canvassing
for support for videos
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11. • Popular among our target audience
(pre‐university students)
• Creative, new‐age aspect
• Increase publicity at a faster and more
widespread rate
• Branding
• Reputation Management
• The Viral effect
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12. • Average number of Facebook friends a user
has is 150 (Source: BBC News, UK)
• The importance of the viral effect
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13. Outsource
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14. Budget Projections (€)
Yr 1 Yr 2 Yr 3 Yr 4 Yr 5
Mentorship program costs
Workshops 1,000 1,000 1,000 1,000 1,000
Networking sessions 400 400 400 400 400
Bursary expense 350,000 350,000 350,000 350,000 350,000
Marketing and admin costs
Posters 1,000 500 500 500 500
Website setup 1,400 - - - -
Website maintenance 1,000 1,000 1,000 1,000 1,000
Admin and Advertising fees 6,000 3,000 3,000 3,000 3,000
Video equipment costs 1,000 1,000 1,000 1,000 1,000
Total operating costs for this project 361,800 356,900 356,900 356,900 356,900
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15. • If program is successful, after 5 years,
SG can set up an endowment fund
– Details of endowment fund:
• Principal of €4 million in the fund
• Principal is intended to remain untouched
• Financially conservative investment strategies
• Funds will grow based on an estimated
conservative return of 5%
• Fund will be self-sustaining for the future
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16. Risk Solutions
Receptivity not high due to Importance of marketing
social norms early
Technological constraints SG employees will help in
(poor Internet access) marketing
Drop-out due to familial Provide support with
responsibilities mentorship program
Outsourcing: privacy risks Work with past vendors
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17. • Identify and attract more talents
– Gives SG a more diverse pool of talents
– First mover advantage in talent search
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18. • Increases company wide support for
the CSR initiative and greater project
buy‐in
– Leads to increased employee satisfaction
and motivation
• To attract more customers from the
large market of the emerging
economies
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19. • Branding and reputation management
– Publicising our CSR initiative to the public
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20. • Importance of CSR
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22. Problem Demand
Asian universities Realism
Pilot program (KPI)
Innovation Risks Why China
Costs Justification
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23. • Enrolment ratio based on eligible
student (ERE) is a useful estimate of the
access to education by those who
have completed the higher secondary
stage.
• EER:
51.1% (rural areas)
66% (urban areas)
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24. Higher income level,
lower gross enrolment rate
Data in 2004, taken from University Grant Commission,
a statutory body of the Government of India
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25. • Significant male-female disparities also
exist in the enrolment ratio for the eligible
student (EER).
• In 2003-04, the EER is 62.9% and 54.1% for
male and female respectively, the
female EER being lower by nine
percentage points.
• Unlike GER the differences in the male
and female EER are visible both in rural
and urban areas.
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26. • Loans are available but the poorest may not be credit-
worthy
• Indian students will find it difficult to borrow enough
money to go to “Top Asian universities” overseas
(Singapore, Hong Kong etc) to study
– Bursary scheme allows them to live in a foreign country that
they might want to work in later
• India has many people; more educational support will
always be welcome
• For students who do not have the fantastic results that
scholarships look at but have passion & talent in certain
areas, this bursary will allow funding for education along
with a strong support/ mentorship structure & internship
opportunities at SG
• Female & low-income priority will increase demand
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27. • What are other financial schemes/ scholarships currently
available in India? How highly do you anticipate demand for
your bursary will be?
• Loans are available but the poorest may not be credit-worthy
• Clarify “Top Asian universities” bursary will allow Indian
students to go overseas (Singapore, Hong Kong etc) to study;
difficult to borrow that much money
– Allow them to live in a foreign country that they might want to
work in later
• India has many people; more educational support will always
be welcome
• For students who do not have the fantastic results that
scholarships look at but have passion & talent in certain areas,
this bursary will allow funding for education along with a strong
support/ mentorship structure & internship opportunities at SG
• Female & low-income priority will increase demand
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28. Team of 5
2 employees
Approx. 50
2 (outsourced)
2 employees
2 employees
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29. • Poor but bright and talented high school students
• Selected high schools from rural areas of India where the
enrolment ratio based on eligible student (ERE) is low
– ERE is an indication of the access to tertiary education by
those who have completed the higher secondary stage
• In the states of Tripura, Chattishgarh, Orissa and
Arunachal Pradesh, the ERE ratio was found to be lower
than national average*
• Hence, our project will be targeted at students from
these states
*Source (2004): University Grant Commission, a statutory
body of the Government of India
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30. • This project is a simple yet effective idea that will have a lot of
impact in the lives of the bursary awardees in our target group.
• It is easy to implement with good planning and well structured
timeline.
• There are also minimal barriers to its implementation.
• Our initiative helps to respond to the challenges of the business
world and ensure SG has a competitive advantage in terms of
talent hunting and attracting investments.
• It is likely that some of the bursary awardees will choose to work
with SG after graduation.
• Therefore, it is also a way to increase diversification in SG’s
workplace by attracting talents from varied countries and
training them to become skilled professionals in SG.
• In addition, student applicants and the communities we reach
out to will learn about Societe Generale, through the positive
publicity generated about the bursary program. This will attract
more customers to turn to Societe Generale for banking services.
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31. • Based on feedback from pilot batch of
awardees, SG mentors on value of the
project
• Sufficiency of funding
• Pressure on manpower in charge of
project
• Intangible benefits press, increase
knowledge of SG in India etc
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32. • For students who do not have the fantastic results
that scholarships look at but have passion & talent
in certain areas (that will allow them to do well in
the future in various fields where success is difficult
to measure by academics alone) and results that
will earn them a place in credible unis
• Video submission allows display of soft skills while
generating good publicity
• Unlike normal bursaries, this will allow funding for
education along with a strong support/ mentorship
structure & internship opportunities at SG
• Female priority aids women empowerment
movement in more patriarchal society
• Low-income priority aids upward mobility
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33. • An average university education in a
Singapore university costs about
S$40,000 for 4 years. Thus the overseas
bursary awardees will be awarded
approx S$20,000, which is about €12,000
• For bursary awardees going to Indian
universities, the average costs of the
tuition fees is about €2,000 per person
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