Frequently Asked Questions
About Oikocredit
- Do loans automatically guarantee sustainable development?
- How do you know the extent to which you are helping people?
- How does Oikocredit differ from other microfinance funders?
- Oikocredit began as a faith-based initiative. Does that influence your work?
- What are Oikocredit’s operational costs?
- What differentiates Oikocredit from other socially responsible investments?
- What does Oikocredit do when a project can't repay?
- What does Oikocredit mean?
- What is Oikocredit’s policy on child labour?
- What role does Oikocredit play in disaster relief efforts?
- Where does Oikocredit operate?
- Why do borrowers come to Oikocredit?
- Why give credit instead of charity? Why should the poor be required to pay back?
- Why have I only just heard of Oikocredit?
Interest rates
- Has Oikocredit ever refused to lend to an MFI because of unacceptable interest rates?
- How do microfinance institutions generally calculate their interest rates?
- How does Oikocredit determine the interest rates it charges its partners?
- How does Oikocredit select its project partners?
- How is Oikocredit contributing to transparency of the microfinance industry?
- What does Oikocredit do to ensure it does not support MFIs with unacceptably high interest rates?
- What is Oikocredit’s reaction to the media’s critique of microfinance?
- Why is the microfinance sector under scrutiny by the media now?
Investing
- Do Oikocredit shares retain their value?
- How risky are Oikocredit investments for private investors?
- What does Oikocredit offer investors over other microfinance investment funds?
- Who can invest in Oikocredit?
- Why do investors get a maximum 2% dividend?
Investment possibilities depend on the legal and regulatory situation for your country. The answers to the questions below are subject to laws in the country in which the offers are made. For more information, click here.

