Why do investors get a maximum 2% dividend?

Oikocredit pays a modest dividend to its shareholders. This varies up to 2%. The fact that we limit our dividend to this modest level enables us to charge reasonable interest rates on our loans - without extra fees and commissions - and to extend credit to partners with a higher-than-average risk profile.

Our investors agree that we should not charge excess costs to project partners and therefore accept a lower dividend.

In line with our mission, we will continue to stress the social return of investments in Oikocredit. Oikocredit distinguishes itself from socially responsible investment funds (SRIs) by supporting the full range of income-generating projects for and by disadvantaged people, including those that other financiers reject. This is Oikocredit's unique proposition, which will continue to be maintained in the years to come.