Financing Options for QHRM Certification
At QHRM, we understand that investing in your HR career is a big step. To make our certification programs more accessible, we have partnered with Sathapana Limited to offer flexible Consumption Loans for eligible students. These financing options help you focus on learning while we support your journey.
Available Loan Packages
(CPCM-S) STARTER
6-month loan · 25% down
- ✔ Course Fee: 1,000,000 MMK
- ✔ Down Payment: 25%
- ✔ Loan Coverage: 75%
- ✔ Loan Duration: 6 months
(CPCM-B) BUILDER
Most Popular6-month loan · 25% down
- ✔ Course Fee: 1,500,000 MMK
- ✔ Down Payment: 25%
- ✔ Loan Coverage: 75%
- ✔ Loan Duration: 6 months
(CPCM-A) ARCHITECT
6-month loan · 25% down
- ✔ Course Fee: 2,000,000 MMK
- ✔ Down Payment: 25%
- ✔ Loan Coverage: 75%
- ✔ Loan Duration: 6 months
Eligibility Criteria
- Business Owners: Must have at least 6 months of consistent income from a business in trade, production, or service sector (not agriculture). Sathapana will conduct a business analysis.
- Salary Earners: Minimum monthly salary of MMK 800,000, with proof through salary slips or bank statements. One guarantor required.
- Parents/Guardians: Can apply on behalf of students, with the student listed as a co-applicant.
Loan Terms & Conditions
Loan Type:
Consumption Loan – QHRM Certification
Interest Rate:
2.33% per month (declining)
Repayment:
Monthly over 6 months
Admin Fee:
1.25% of disbursed amount
Social Welfare Fee:
0.25% of disbursed amount
Compulsory Savings:
5% of loan amount (returned with 14% annual interest after repayment)
Collateral:
Not required
Guarantor:
1 required
Early Closure:
As per Sathapana’s credit policy
- National ID Card
- Household Registration Book
- Ward Recommendation Letter (if current address differs from household book)
- Salary Slip / Bank Statement (for salaried applicants)
- Business Verification (for self-employed)
- QHRM will issue a Letter of Support confirming loan purpose.
- Down payment must be made directly to QHRM and receipt shared with Sathapana before disbursement.
- Final certificate/diploma will only be issued upon confirmation of full loan repayment from Sathapana.
- Applicant must sign a Consent Letter authorizing Sathapana to disburse the loan directly to QHRM.
- The loan will be disbursed directly to QHRM’s bank account once all required steps are completed and approved.
- Select your preferred QHRM Certification Level.
- Request a Loan Application Referral from QHRM.
- Visit your nearest Sathapana branch with required documents.
- Complete verification and pay the down payment to QHRM.
- Begin your learning journey after disbursement.
- Select your preferred QHRM Certification Level.
- Request a Loan Application Referral from QHRM.
- Visit your nearest Sathapana branch with required documents.
- Complete verification and pay the down payment to QHRM.
- Begin your learning journey after disbursement.
- Loan decisions are made solely by Sathapana Limited’s Loan Approval Committee and are final.
