Take an oath…

By taking this oath, I affirm my understanding of the responsibilities and obligations that come with being a UMANO Interest-Free Loan beneficiary. I pledge to utilize the loan funds solely for educational purposes, including tuition fees, books, supplies, and other essential expenses directly related to my educational pursuits. I will manage the loan funds responsibly and avoid any unauthorized or frivolous expenditures. I acknowledge that the loan comes with the obligation to repay it according to the agreed-upon terms and conditions. I will honor this financial commitment.