In Focus sheets

Rio’s fashion forward approach


In Brazil’s Rio de Janeiro, fashion is the third largest industry, valued at over US$ 60 billion per year. Each day tourists and affluent Brazilians flock to its famous stores that cater to an international and fashion-forward client-base. However, behind Rio’s glitz and glamour is another side to the fashion industry, which is slowly growing in prominence
across the city.

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Rio's fashion forward approach390.0 kBapplication/pdfdownload

Putting sustainability into practice

Environment in focus

Protection of the environment is a key objective for Oikocredit. As part of its drive to achieve this, Oikocredit adheres to an environmental policy. This policy aims to contribute positively to a balanced ecosystem and increase environmental protection through the projects of the partners Oikocredit finances.

Linked documents
Environment in focus190.4 kBapplication/pdfdownload

Barefoot Power goes off the grid


Throughout the world, people light their homes with kerosene lanterns which are dangerous and expensive sources of light. While the smoke affects indoor air quality, the open flame also has the dangerous potential to start fires. 

Thanks to a small Australian company, Barefoot Power, more than 40,000 households across Africa and Asia now have safe, affordable lighting in their homes. Within a few years, Barefoot Power successfully brought its solar powered lamps to around two million people in more than 40 developing countries.

Linked documents
Barefoot Power In Focus1.5 MBapplication/pdfdownload

Gromada Credit Union


After the Soviet Union disbanded, Ukraine's economic output dropped dramatically plunging a majority of the population into poverty. Having been the essential agricultural and industrial centre of the Soviet Union, its large collective farms and heavy industry were no longer competitive. So people who lost their jobs became microentrepreneurs in order to survive.

During the 90s recession the country experienced severe hyperinflation, but things improved from 2000. Tough times struck again in 2008 when unemployment soared from 3% to 9.4% in just nine months. Today, 35% of the Ukraine population still lives below the poverty line.

Linked documents
Gromada in focus711.0 kBapplication/pdfdownload

Cooperativa Manduvirá


Cooperativa Manduvirá was founded by 39 members in 1975. Today, it supports 1,700 members, more than half of whom produce organic sugarcane, sesame, cotton, stevia, fruit, and vegetables. Protecting the environment and the rights of the small farmers are the main priorities for the cooperative: it boasts organic certification for its agricultural production methods and has been carrying the official certification of the Fairtrade Labeling Organization since 1999.

Oikocredit welcomed Cooperativa Manduvirá as a partner in late 2011, when they received a loan to support their dream: to set up an environmentally-friendly plant to produce organic sugar.

Linked documents
Manduvira in focus709.8 kBapplication/pdfdownload

Client Protection Principles


Oikocredit believes microfinance is a valuable tool to empower people to create a better future, so long as clients' needs and wellbeing are the focus of its services. Microfinance investors play a special role in ensuring the protection and promotion of client benefit and welfare, and Oikocredit takes this responsibility seriously. To ensure that the MFIs in which we invest maintain client welfare as a priority, we promote the Smart Campaign’s Client Protection Principles (CPPs).

Oikocredit endorsed the CPPs in September 2008 and has since collaborated with other investors to put the principles into practice and help MFIs ensure their operations become fully compliant.

Linked documents
Client Protection Principles in focus269.6 kBapplication/pdfdownload

Asociación Chajulense Va’l Vaq Quyol (Chajul)


Asociación Chajulense Va’l Vaq Quyol (Chajul) is a Guatemalan association of coffee producers which has marketed Fair Trade organic coffee since 1989. It is one of Oikocredit's 290 cooperative partners.

Civil war raged in Guatemala from 1960 until 1996. In the Ixil Triangle, where Chajul operates, thousands of civilians were killed, tortured or disappeared. The victims were predominantly Mayan descendants. Chajul's coffee and honey farmers - made up largely of Mayan descendants - follow a traditional Mayan maxim: "work the soil without violence". 

Linked documents
Chajul in focus782.4 kBapplication/pdfdownload

CMI Radio programme: preventing over-indebtedness


'Life and Finance' is a radio programme in Cambodia co-produced by the Cambodian Microfinance Institute and Oikocredit. The programme aims to educate Cambodia's rural population on financial issues whilst also encouraging sustainable business.

By educating the population about financial principals, more informed financial decisions can be made by the population, helping borrowers understand the risks of taking on too much debt. Preventing over-indebtedness for borrowers of microfinance loans is one of Oikocredit’s seven Client Protection Principles.

Linked documents
CMI Radio in focus541.4 kBapplication/pdfdownload