Client protection and transparency

Oikocredit supports industry-wide initiatives that promote transparency and facilitate the implementation of tools that monitor the social impact of investments. We integrate these into our own operations and encourage our partners to do the same.

Client Protection Principles (CPPs)

These principles protect clients from unfair, non-transparent and unethical practices. These ensure institutions do not loan amounts that cannot be repaid or provide products people do not need.

The client protection principles aim to protect clients, businesses and the entire industry by making sure microfinance partners:

  • design and deliver suitable products
  • prevent over-indebtedness
  • be transparent
  • use responsible pricing
  • treat clients in a fair and respectful manner
  • protect client data
  • provide customer care services

The client protection principles have been integrated into the environmental, social and governence scorecard, which all new partners must endorse.


Accountability and transparency are essential in developing a responsible microfinance sector. We encourage partners to report to MIX Market, a global, web-based source of financial and social performance data on MFIs.

Our partners provide us with the interest rate details on their primary financial product(s). Oikocredit determines whether the interest rate is acceptable using the knowledge of partners and field staff and assessing the local market.