{"id":26018,"date":"2015-11-09T16:08:44","date_gmt":"2015-11-09T21:08:44","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/mpower-financing-shares-big-dreams-shaking-educational-lending"},"modified":"2025-12-28T08:26:06","modified_gmt":"2025-12-28T08:26:06","slug":"mpower-financing-shares-big-dreams-shaking-educational-lending","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/mpower-financing-shares-big-dreams-shaking-educational-lending","title":{"rendered":"MPOWER Financing compartilha seus grandes sonhos para revolucionar o financiamento educacional"},"content":{"rendered":"<p>Originalmente encontrado em: <a href=\"https:\/\/technical.ly\/dc\/2015\/11\/09\/mpower-financing-shares-big-dreams\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/technical.ly\/dc\/2015\/11\/09\/mpower-financing-shares-big-dreams\/<\/a><\/p>\n<p><i>A jovem empresa quer ajudar mais estudantes a concluir a faculdade, oferecendo empr\u00e9stimos para estudantes de alto potencial que s\u00e3o exclu\u00eddos do financiamento tradicional.<\/i><\/p>\n<p>Como CEO e cofundador, o objetivo de Emmanuel Smadja para a MPOWER Financing \u00e9 que, no pr\u00f3ximo ano, algu\u00e9m se vista como o homem MPOWER(ed) para o Halloween.<\/p>\n<p>A MPOWER Financing, com sede em D.C., oferece empr\u00e9stimos financiados pela comunidade para financiamento estudantil. Como Smadja coloca, &#8220;n\u00f3s concedemos empr\u00e9stimos a estudantes que t\u00eam alto potencial, mas s\u00e3o exclu\u00eddos das op\u00e7\u00f5es de financiamento tradicionais.&#8221;<\/p>\n<ul>\n<li>Para os estudantes &#8211; aqueles que est\u00e3o a dois anos ou menos de se formar e t\u00eam boas notas &#8211; um empr\u00e9stimo da MPOWER \u00e9 uma maneira de concluir a institui\u00e7\u00e3o de ensino.<\/li>\n<li>Para os investidores, \u00e9 um investimento de duplo resultado &#8211; oferecendo retornos fiscais ao mesmo tempo em que causa um impacto positivo na vida dos estudantes.<\/li>\n<\/ul>\n<p>Os estudantes da MPOWER se enquadram em duas categorias amplas: estudantes internacionais e estudantes dom\u00e9sticos cujos pais n\u00e3o podem ser avalistas de um empr\u00e9stimo tradicional. Em ambos os casos, a MPOWER sabe que est\u00e1 trabalhando com estudantes que n\u00e3o t\u00eam um hist\u00f3rico de cr\u00e9dito estabelecido.<\/p>\n<p>Para contornar isso, a MPOWER avalia a capacidade de cr\u00e9dito do estudante de uma maneira diferente. &#8220;O que dizemos \u00e9, &#8216;N\u00e3o importa de onde voc\u00ea vem ou quanto dinheiro sua fam\u00edlia tem. O que realmente importa \u00e9 voc\u00ea e seu pr\u00f3prio potencial'&#8221;, disse Smadja. &#8220;Podemos determinar isso [potential] com base em muitos fatores &#8211; em qual institui\u00e7\u00e3o de ensino voc\u00ea est\u00e1, o que est\u00e1 estudando, qual grau voc\u00ea est\u00e1 cursando, qu\u00e3o perto voc\u00ea est\u00e1 de se formar, quais s\u00e3o suas notas, quais s\u00e3o suas pontua\u00e7\u00f5es e, ent\u00e3o, no lado profissional &#8211; que experi\u00eancia de est\u00e1gio voc\u00ea tem, que experi\u00eancia de trabalho voc\u00ea tem.&#8221;<\/p>\n<p>Isso inclui at\u00e9 mesmo ganhos futuros projetados. &#8220;Queremos ter certeza de que n\u00e3o estamos colocando os estudantes em d\u00edvidas que eles n\u00e3o podem acompanhar&#8221;, acrescentou.<\/p>\n<p>Oficialmente lan\u00e7ada em maio passado, a MPOWER j\u00e1 recebeu mais de 1.000 solicita\u00e7\u00f5es at\u00e9 o momento. Surpreendentemente, dado o grande conjunto de informa\u00e7\u00f5es que a MPOWER analisa para avaliar a capacidade de cr\u00e9dito de um estudante, a empresa afirma que leva apenas 15 minutos para os estudantes se candidatarem em sua plataforma.<\/p>\n<p>Como a plataforma que hospeda a intera\u00e7\u00e3o entre investidores e estudantes tomadores de empr\u00e9stimos, a MPOWER ganha dinheiro de duas maneiras. A principal, segundo Smadja, \u00e9 a taxa de origina\u00e7\u00e3o cobrada dos estudantes tomadores de empr\u00e9stimos.<\/p>\n<p>&#8220;Temos uma taxa de origina\u00e7\u00e3o \u00fanica, cobrada antecipadamente, que \u00e9 adicionada ao saldo do empr\u00e9stimo&#8221;, disse Smadja. &#8220;Ent\u00e3o, por exemplo, se eu pegar emprestado $10.000, adicionamos uma taxa de origina\u00e7\u00e3o de 5% em cima disso, ent\u00e3o voc\u00ea paga $10.500 ao longo dos 10 anos do seu empr\u00e9stimo.&#8221;<\/p>\n<p>&#8220;Tamb\u00e9m fazemos um pequeno spread no juros&#8221;, acrescentou Smadja, confirmando a segunda maneira como a empresa ganha dinheiro. O juros em um empr\u00e9stimo da MPOWER varia entre 7,99 e 13,99 por cento. &#8220;Isso \u00e9 mais alto do que os empr\u00e9stimos federais porque esses s\u00e3o subsidiados&#8221;, disse Smadja, &#8220;mas essas taxas est\u00e3o praticamente alinhadas com outros credores privados.&#8221; E, ele garantiu ao Technical.ly, comparado a um empr\u00e9stimo de dia de pagamento ou cart\u00e3o de cr\u00e9dito, eles s\u00e3o muito mais baratos.<\/p>\n<p>Avan\u00e7ando, a MPOWER est\u00e1 procurando crescer rapidamente para fornecer empr\u00e9stimos a mais estudantes. &#8220;Estamos visando cerca de $2 milh\u00f5es em volume este ano&#8221;, disse Smadja, &#8220;e ent\u00e3o estamos visando cerca de $20 milh\u00f5es no pr\u00f3ximo ano.&#8221;<\/p>\n<p>Eles tamb\u00e9m est\u00e3o procurando se associar a mais institui\u00e7\u00f5es de ensino &#8211; ser listado como um credor preferencial, ou mesmo apenas dispon\u00edvel, em um site de finan\u00e7as universit\u00e1rias \u00e9 uma maneira pela qual a MPOWER espalha a palavra. &#8220;Est\u00e1vamos em uma institui\u00e7\u00e3o de ensino em maio, estamos em cinco agora e estamos visando cerca de 30 no pr\u00f3ximo ano&#8221;, disse Smadja ao Technical.ly.<\/p>\n<p>Al\u00e9m desse r\u00e1pido crescimento de seu produto principal, a MPOWER est\u00e1 sempre pensando em maneiras de expandir para outros produtos. &#8220;Gostar\u00edamos de poder oferecer servi\u00e7os financeiros essenciais&#8221;, disse Smadja. Por exemplo, um cart\u00e3o de d\u00e9bito pr\u00e9-pago, plano de celular para ligar para o pa\u00eds de origem do estudante de forma mais barata ou seguro sa\u00fade.<\/p>\n<p>Outro objetivo perene \u00e9 descobrir a melhor maneira de ajudar os estudantes tomadores de empr\u00e9stimos a construir um hist\u00f3rico de cr\u00e9dito tradicional e uma pontua\u00e7\u00e3o de cr\u00e9dito, ajudando-os a se tornarem &#8220;parte do mainstream financeiro&#8221;, disse Smadja.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Originalmente encontrado em: https:\/\/technical.ly\/dc\/2015\/11\/09\/mpower-financing-shares-big-dreams\/ A jovem empresa quer ajudar mais estudantes a concluir a faculdade, oferecendo empr\u00e9stimos para estudantes de alto potencial que s\u00e3o exclu\u00eddos do financiamento tradicional. Como CEO e cofundador, o objetivo&#8230;<\/p>\n","protected":false},"author":2,"featured_media":5458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-26018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>MPOWER sonha em revolucionar o financiamento educacional | MPOWER<\/title>\n<meta name=\"description\" content=\"MPOWER Financing oferece empr\u00e9stimos a estudantes de alto potencial exclu\u00eddos do financiamento tradicional. 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