For most low or moderate income, unbanked, and under-banked individuals, the lack of access to capital prevents them from taking advantage of viable opportunities that could make a positive impact in their lives and the lives of their children. The UPI Loan Fund provides personal loans helping individuals and families take advantage of opportunities and serves as a financial buffer during their times of need.

Approved personal loans offer these benefits to borrowers:

  • Debt Consolidation and Credit Repair Services
  • Behavioral Financial Wellness Training
  • Free credit union membership and competitive interest rates

Purpose – The UPI Loan Fund, a division of Unified Progress International Education, is a Community Development Loan Fund (CDLF). Our primary purpose is to provide affordable, low-cost loan products at varying interest rates (or no interest rate in special cases) that will focus on the financial needs of unbanked and under-banked, low/moderate- income families and communities; particularly the marginalized consisting of African Americans and other people of color. Our services provide an alternative to predatory lenders, those who charge fees and interest rates at 400% and higher. We serve the needs of municipalities and communities by giving individuals, veterans, and businesses an affordable loan option/alternative coupled with first-class cloud-based behavioral financial wellness seminars and training classes.

For more information on how to address financial stress in the workplace, contact UPI Loan Fund 602-888-1370. 

Visit the UPI Loan Fund website by clicking on the red button below. 

21st Century Financial Wellness

                                                          Employees Stress About Money
When employees face financial worries at home, they are likely to bring stress and distraction to work, causing underperformance. In 2019 the term “Financial Wellness” rose to fame in the financial services industry as fintechs and corporates tried to tackle this critical challenge. This guide is intended to help industry leaders understand the core drivers behind the decisions their employees make and why each one brings financial stress to work. The UPI Loan Fund and DreamSmart Academy help industry leaders understand the core drivers behind the decisions their employees make and why employees are forced to bring their financial stress to work.

Source: PwC’s 8th Annual Employee Financial Wellness Survey, PwC US 2019

Financial Stress Impacts Bottom-Line Productivity

A number of studies have emerged recently that help employers understand how the issue of employee financial stress impacts organizational goals. Not unlike other causes of stress, financial stress impacts employers by contributing to the already skyrocketing cost of health care while at the same time significantly impacting productivity and bottom-line profitability. 

Human resource professionals and those responsible for the overall well-being of their workforce understand the impact of financial stress. Employees who are stressed financially will have their paychecks garnished by collection agencies, request loans from their 401k’s, and seek pay advances to help cope with the financial stress they are experiencing. 

Personal financial issues are overwhelmingly the largest cause of employee stress. This stress is impacting employers in the areas of health care costs and corporate productivity in significant ways. Employers who are serious about addressing the issue of stress in the workplace need to consider integrating solutions that focus on employee financial health issues. Adding a financial component to your corporate wellness initiative can produce an ROI of over 3 to 1.

DreamSmart Academy and UPI Loan Fund unite to bring a 21st Century solution to employee financial wellness. The DSA and UPI collaboration is a unique blend of behavioral science, behavioral finance, and access to low-cost personal loan options as employees seek financial alternatives that help with an unexpected financial situation or work through a difficult financial challenge. 

Our modern solution leverages the latest Web technologies and trends to deliver cost-effective, multimedia education, and tools designed for today’s workforce. DreamSmart Academy’s customized training solutions improve bottom-line productivity and performance by managing benefits costs while reducing employee turnover, productivity drains, and financial stress.

Contact DreamSmart Academy at info@dreamsmartacademy.com or visit our website to learn more about our 21st Century Financial Wellness approach. For more information on how to address financial stress in the workplace, please download our Financial Wellness white paper. 

For more information on how to address financial stress in the workplace, contact UPI Loan Fund 602-888-1370. 

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