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Jodo focusses on building tailored financial products for middle-income households. Its flagship product - Jodo - aims to help families manage the academic expenses of their children. Jodo offers customers the option to convert the lumpy two to three installments, into a monthly payment plan, at zero percent interest rate. The startup partners with schools to offer payment plans to the parents. For customers opting for the Jodo payment plan, the startup pays the fees on behalf of the parents, and then collects it from them in tranches through the year. The values of the repayments depend on the parents’ cash inflow profile. They don’t charge any interest rates on the fees - only a nominal one-time processing fee for enrolling parents into the payment plan.