Lumni is a company dedicated to the development of Human Capital Funds. The objective of these funds is to financiate the studies of persons who can’t afford the costs of their higher education, and have high potential. After finishing their studies, this people are compromised to return the funds by paying a fixed percentage of their income, for a fix amount of months. This company looks forward to create a efficient, high-scale and sustainable financial system that allows to give equal opportunities for access to higher education.