A fair financial model


Capital from impact investments and donor funding is managed by CHANCEN International.

Partner institutions are selected based on our criteria and due diligence process.

CHANCEN International invests in individual students. Students can focus on their studies, while we build a supportive community around them.

Once students have graduated, they make relative income-based repayments. A set % of net salary.

We re-invest these repayments in the next generation, closing the funding circle.


“As a social enterprise, we combine Fair financing for education with ethical Impact Investing.
With Income Share Agreements, we build a community of students who receive fair and equal education opportunities. In return, they will invest in the next generation of students, affording them the same opportunity.”

Education for this generation and all that follow

Make a direct impact

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GLS Bank

DE28 4306 0967 4034 7287 00

Tax Number: 348/5868/0300


How we reach our students

CHANCEN International has partners with selected institutions and organisations in Rwanda to offer their students Income Share Agreements (ISA) to finance their studies. With an ISA, students can focus on their studies, while CHANCEN takes care of the tuition fee payments. Once graduates start working and earn above the minimum income threshold, they make income-based repayments.

CHANCEN is a community of members who are united in solidarity to increase access to tertiary education for current and future generations. Together, with our partners we ensure students are empowered through socially responsible financing and free to focus on their studies.

Four criteria are used to select our partner universities. We believe in value creating programs, transparency, initiative and excellence.

  1. Delivering value to society by offering holistic higher education with a focus on leadership skills, changemaker initiatives and community development.
  2. The availability of efficient systems that allow for full transparency showing how values and actions of the institution are aligned.
  3. Proof of student support programs – soft skill development that cultivates initiative, drive and grit.
  4. Proof of high level of employment amongst graduates, with high employee satisfaction.

How ISAs work

Income Share Agreements (ISAs) allow you to focus on your studies, while CHANCEN takes care of your tuition fees. Our community supports you to excel in your studies and succeed in your career.


Fair Financing

We pay your tuition fees whilst you study. Once you have graduated and you start earning a monthly income above 80 000 RWF you start your repayments. Graduates do not have a fixed amount of debt.


Income Based Repayments

Your repayments are set percentage of your monthly income, 9% of your net salary. You commit to repaying for 8 years. You can shape your career without additional financial pressure.



Graduates, Impact Investors and Universities are united in their commitment to giving all students access to education. Your repayments ensure the next generation can study too.


We would love to hear from you.

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