Certified B Corporation

Santiago Metropolitan Region, Chile

Certified Since

August 2012


Other credit - Emerging Markets


Service with Minor Environmental Footprint

Operates In



Lumni is a new kind of financial services company dedicated to ensuring that students everywhere can leverage their most valuable asset - their own future potential - to access financing for college. Unlike traditional student lenders, they fundamentally align the interest of their investors and students in a win-win relationship that benefits everyone. Lumni's investment funds don't make loans. Instead, students commit a fixed percentage of income for the 10 years after they graduate. This dramatically reduces the risk of unmanageable payments after graduation in the case of unemployment or underemployment, giving debt-averse, underserved college students the comfort to take a leap. Lumni also employs an innovative underwriting process, determining creditworthiness not on access to co-signer like traditional lenders, but instead on a student's personal drive and potential. This allows Lumni to identify qualified clients from with the country's most underserved populations, students who would be deemed too risky by private lenders. Finally, Lumni distinguishes itself by building a relationship with its students and supporting them with career coaching and development services.

Overall B Impact Score

Based on the B Impact assessment, LUMNI CHILE earned an overall score of 125.6. The median score for ordinary businesses who complete the assessment is currently 50.9.
125.6 Overall B Impact Score
80 Qualifies for B Corp Certification
50.9 Median Score for Ordinary Businesses

Governance 18.6

Governance evaluates a company's overall mission, engagement around its social/environmental impact, ethics, and transparency. This section also evaluates the ability of a company to protect their mission and formally consider stakeholders in decision making through their corporate structure (e.g. benefit corporation) or corporate governing documents.

Mission & Engagement3.1
Ethics & Transparency7.9
+ Mission Locked7.5

What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.

Workers 32.7

Workers evaluates a company’s contributions to its employees’ financial security, health & safety, wellness, career development, and engagement & satisfaction. In addition, this section recognizes business models designed to benefit workers, such as companies that are at least 40% owned by non-executive employees and those that have workforce development programs to support individuals with barriers to employment.

Financial Security7.0
Health, Wellness, & Safety6.0
Career Development5.4
Engagement & Satisfaction6.3

Community 16.7

Community evaluates a company’s engagement with and impact on the communities in which it operates, hires from, and sources from. Topics include diversity, equity & inclusion, economic impact, civic engagement, charitable giving, and supply chain management. In addition, this section recognizes business models that are designed to address specific community-oriented problems, such as poverty alleviation through fair trade sourcing or distribution via microenterprises, producer cooperative models, locally focused economic development, and formal charitable giving commitments.

Diversity, Equity, & Inclusion8.0
Economic Impact5.0
Civic Engagement & Giving0.9
Supply Chain Management1.1

Environment 8.4

Environment evaluates a company’s overall environmental management practices as well as its impact on the air, climate, water, land, and biodiversity. This includes the direct impact of a company’s operations and, when applicable its supply chain and distribution channels. This section also recognizes companies with environmentally innovative production processes and those that sell products or services that have a positive environmental impact. Some examples might include products and services that create renewable energy, reduce consumption or waste, conserve land or wildlife, provide less toxic alternatives to the market, or educate people about environmental problems.

Environmental Management3.5
Air & Climate0.2
Land & Life1.6
+ Green Lending0

What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.

Customers 49.0

Customers evaluates a company’s stewardship of its customers through the quality of its products and services, ethical marketing, data privacy and security, and feedback channels. In addition, this section recognizes products or services that are designed to address a particular social problem for or through its customers, such as health or educational products, arts & media products, serving underserved customers/clients, and services that improve the social impact of other businesses or organizations.

Customer Stewardship4.7
+ Portfolio Reporting3
+ Targeted for Investment5.1
+ Leadership & Outreach4.4
+ Investment Criteria7
+ Portfolio Management3.5
+ Serving in Need Populations20.5

What is this? A company with an Impact Business Model is intentionally designed to create a specific positive outcome for one of its stakeholders - such as workers, community, environment, or customers.

Previous Overall B Impact Scores

2022 Overall B Impact Score125.6
2017 Overall B Impact Score92.2
2015 Overall B Impact Score109.6
2014 Overall B Impact Score99.3
2012 Overall B Impact Score89.2

Additional Documentation


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