Educredito

What Educredito does

Educredito (legal name Asociación Civil Crédito Educacional, Educrédito A.C., RIF J-00061937-9) is a Venezuelan non-profit civil association founded in 1965 and headquartered within the Universidad Metropolitana campus in Caracas. The organization provides educational financing to students from limited economic backgrounds through a rotating credit fund system (fondos rotativos), under which recipients commit to repaying their educational investment once they begin earning professional income. Since 1965, Educredito reports supporting more than 25,000 university professionals across partner institutions including Universidad Metropolitana, Universidad Católica Andrés Bello, Universidad Simón Bolívar, and IESA.

The organization operates four core service lines: Créditos Educativos (educational credits for undergraduate, graduate, and technical studies), Fondos Administrados (corporate fund administration for companies with employee education benefits, launched 2015), Inversión en Educación (education sector investment services), and the Programa de Becas Educredito (a K-12 and higher-education scholarship program launched in September 2020). It also operates Aula Educredito, an online learning platform for student coursework. Notable corporate partners include Banco Mercantil and Farmatodo (which administers the Antonieta Zubillaga scholarship program).

Educredito is funded and supported by an ecosystem of founding Venezuelan corporate foundations including Dividendo Voluntario para la Comunidad, Fundaciones Creole, Shell, Sánchez y Mendoza, Vollmer, Banco de Venezuela, Empresas Polar, Telcel, and Central. The go-to-market approach combines direct in-person engagement at the Caracas headquarters with partnerships across universities and corporate clients. The organization is governed by a Junta Directiva and operates with a lean team of 7 employees across functional coordinators covering programs, administration, and projects. No external investment capital or equity funding has been identified.

Name

Educredito

Legal name

Asociación Civil Crédito Educacional (Educrédito A.C.)

Website

https://educredito.org.ve

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

1–10 employees

Short description

Educredito is a Venezuelan non-profit founded in 1965 that provides educational credits, corporate fund administration, and scholarships to students across Venezuelan universities and partner schools, using a rotating fund model.

Ownership category

akta.pro rank

Headquarters

HQ city

Caracas

HQ country

Venezuela

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Educational Credit Operations: Educredito provides educational credit (créditos educativos) to students who commit to repaying the investment once they complete their professional studies. The rotating fund system maintains a permanent flow of support for successive student cohorts since 1965.
2. Fund Administration Services: Since 2015, Educredito has offered fund administration services to companies that have educational benefits for their workers and their children's academic education.
3. Scholarship Program: Educredito administers scholarship programs for students, particularly those from underprivileged backgrounds, in partnership with educational institutions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Educredito is a Venezuelan non-profit civil association that provides educational credits to university students under a rotating fund (fondos rotativos) model in which recipients repay the investment from their post-graduation professional income. Since 2015 it also administers corporate education benefit funds for companies whose workers and children receive educational support, and since 2020 it runs the Programa de Becas Educredito scholarship program for partner primary and secondary schools.

Product overview

Educredito is a Venezuelan educational finance organization offering a portfolio of four core products: Créditos Educativos (educational credits for students), Fondos Administrados (corporate fund administration for employee education benefits), Inversión en Educación (education investment services), and the Programa de Becas Educredito (scholarship program for partner schools). The organization also operates an online learning platform called Aula Educredito. Founded in 1965, Educredito has supported over 25,000 students through rotating loan funds and manages corporate education benefit programs for businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Créditos Educativos Educational credit program providing financing to students for undergraduate, graduate, and technical studies, with repayment tied to the recipient's future professional income. The core service of Educredito, structured as a revolving fund that recycles repaid principal into new student cohorts.
• Fondos Administrados Outsourced administration of educational benefit funds for Venezuelan companies whose contractual benefits include academic education for their workers and workers' children. Educredito manages disbursement, tracking, and oversight on behalf of the corporate client.
• Inversión en Educación Education sector investment services supporting educational development initiatives, offered as one of Educredito's core product lines.
• Programa de Becas Educredito Scholarship program supporting students at partner primary and secondary schools (e.g., Fe y Alegría, Mano Amiga), providing grants that enable completion of schooling for students from disadvantaged backgrounds.
• Aula Educredito Online learning platform hosted at aula-educredito.org.ve that provides students with access to educational resources and coursework.

Quantifiable outcome

• Over 25,000 students supported since 1965
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Banco MercantilcoreStrategic or Co-development PartnerCorporate ally and partner of Educredito. Banco Mercantil has been supporting educational initiatives in Venezuela through its foundation.
• FarmatodocoreStrategic or Co-development PartnerCorporate partner for the Antonieta Zubillaga Scholarship Program. Educredito administers the scholarship program for Farmatodo beneficiaries.
• Universidad MetropolitanacoreStrategic or Co-development PartnerMajor educational partner and host of Educredito headquarters. Students from this university have been supported through Educredito programs.
• Fe y AlegríacoreStrategic or Co-development PartnerEducational partner for the Scholarship Program. Fe y Alegría Andy Aparicio and other institutions participate in the scholarship program administered by Educredito.
• Universidad Católica Andrés BellominorStrategic or Co-development PartnerPartner university that has been allied with Educredito since 1965 to support students.
• Universidad Simón BolívarminorStrategic or Co-development PartnerPartner university that has been allied with Educredito since 1965 to support students.
• IESAminorStrategic or Co-development PartnerPartner institution that has been allied with Educredito since 1965 to support students.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Fundación Universia: Santander-backed educational inclusion foundation active across Spain and Latin America. Manages scholarship programs and educational inclusion grants in a similar mission-aligned structure to Educredito.
• Becas Chile (ANID): Chilean government scholarship and graduate-financing agency. Comparable public-purpose educational credit and scholarship administration operating in a neighboring Latin American market.
• Fundación Carlos Slim: Major Latin American education foundation administering large-scale scholarship and digital learning programs in Mexico. Comparable as a non-profit administering educational benefit programs for students from limited resources.
• Icetex: Colombian state student loan and scholarship agency. Closest functional peer: extends educational credit to university students from limited resources and administers scholarship funds in a Latin American emerging-market context.
• Becas Falabella: Retail corporate scholarship program active in Chile and other LatAm countries. Closely mirrors Educredito's corporate fund administration work, where a company entrusts a third party to run an employee/beneficiary scholarship program.
• FUNED: Mexican student loan fund (Fundación Mexicana para la Educación y el Desarrollo). Operates a comparable educational credit model for Mexican students and alumni, very similar revolving-finance approach.

Emerging players

• Kiva: Global peer-to-peer micro-lending platform with education loans in Latin America. Comparable as a crowdfunded credit channel that supports students in emerging markets; very different operational model but adjacent mission and region.
• Prodigy Finance: Cross-border student lending fintech for international graduate students. Comparable as a non-bank educational credit provider, but operates a digital, data-driven model rather than Educredito's relationship-driven rotating fund.

Broad incumbents

• Becas Santander: Global Santander program administering scholarships and educational benefits across multiple geographies. A larger, broader incumbent in educational benefit administration with similar B2B corporate/CSR DNA to Educredito's fund administration line.
• Findeter: Colombian development bank financing infrastructure and social programs including education. Comparable as a development-oriented credit institution channeling structured funding into education, though at much larger scale and scope than Educredito.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

• Xx.com/educreditoac
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/educreditovenezuela
• Instagraminstagram.com/educredito_venezuela

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Educredito