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Brighter Investment - High Potential Student Investm.

In developing countries, there is a shortage of talented, educated workers. This shortage impedes a country’s development efforts. It also drives up wages for graduates. In Ghana, higher education can multiply a young person’s earning potential by up to 5 times. Despite these large returns, higher education is out of reach for the majority of high school graduates simply because they are unable to pay for it. Traditional student loans are not available and scholarships and financial aid are grossly insufficient to meet the level of need. Brighter Investment allows you to invest in the post secondary education of a cohort of talented students with high earning potential. After graduation, students repay a fixed percentage of their income for a set period. Income based repayment means some students will repay more than others. For a group of students however, average returns can be reliably estimated based on statistical data for average income,employment and graduation rates. Income dependent repayments mean that students never end up with a debt they can’t repay. Because wage levels are relatively stable and hedged against inflation, it also means we can repay you a stable, competitive return projected at 9%. On top of that, you are directly contributing to alleviating poverty and helping students and their families to live longer, healthier and happier lives.

Asset Class:
Pay-for-performance Instruments
Product Open for Investment:
Assets under management ($CAD):
AUM < $1 million
Minimum initial investment ($CAD):
Accredited investors
Community/region benefited:
Impact Evidence:
Impact Data: Can provide data that explicitly informs assessment of additionality and/or cost-effectiveness
IRIS Social Impact Objective(s):
Access to education, Access to financial services, Equality and empowerment, Income/productivity growth
IRIS Environmental Impact Objective(s):

IRIS Target Group(s):
Adults (>18 years), Women
Product Website:
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