How Oikocredit works

Individuals

Organisations

Reserves

Agriculture

Trade

Others

Loans

Equity investments

Term investments

World presence

Agriculture

Renewable energy

Financial inclusion

Oikocredit is a worldwide cooperative and social investor that promotes sustainable development by providing loans and capital in low income countries.

Guided by the principle of empowering people to sustainably improve their livelihoods, Oikocredit finances organisations active in inclusive finance, agriculture and renewable energy.

Individuals

Individuals invest through local Oikocredit offices and support associations.

Learn more about Oikocredit's investment options

Organisations

Organisations also invest in Oikocredit.

Reserves

Oikocredit's term investment portfolio provides a balance of risks, liquidity and investment income in alignment with Oikocredit's mission.

Total funds

Oikocredit pools these resources.

Loans

Oikocredit's mission is to use its lendable funds for development purposes.

Wherever possible we make loans in local currencies to help protect partners from exchange rate fluctuations.

Before approving and disbursing a loan, Oikocredit carries out a thorough due diligence process. After disbursing a loan, we continue monitoring and working with our partners to ensure they are achieving their social and environmental goals.

Equity investments

Oikocredit invests in enterprises with a high development impact. We offer our partners patient capital and a long-term horizon.

As a shareholder Oikocredit engages in active governance through participation on boards and constructive engagement with management. 

Term investments

A portion of Oikocredit's total assets are invested in bonds that provide a balance of risks, liquidity and investment income in alignment with our mission.

World presence

Oikocredit offers loans and equity investments in low income countries around the world.

Agriculture

Oikocredit finances rural microfinance and producer organisations, such as agricultural cooperatives, with the aim of supporting local economies and stronger communities.

Renewable energy

Oikocredit provides financing for solar, wind, small hydropower, biomass and energy-efficiency projects.

Financial inclusion

Oikocredit provides financing to microfinance institutions (MFIs) and banks that support small and medium enterprises (SMEs).

These organisations provide access to financial services that empowers people to invest in themselves and their future. They operate in situations where traditional banks are unwilling or unable to operate.

Return on investment

Individuals receive a fair financial return on their investment.

Return on investment

Organisations receive a fair financial return on their investment.

Reserves

Oikocredit's term investment portfolio provides a balance of risks, liquidity and investment income in alignment with Oikocredit's mission.