How risky are Oikocredit investments for private investors?

Since Oikocredit was first established, no investor has ever lost capital*. Since 1980, less than 3 per cent of funds disbursed have been written off, but we know the past does not necessarily indicate the future.

Our regional and international staff plays a crucial role in selecting projects that are socially relevant and have the capacity to become financially self-reliant. It simply does not make sense to finance projects that will not have the capacity to honor their debt based on income generated. If a project partner cannot repay, this is discouraging for them and they may end up in an even more difficult situation than where they started. Our core objective is to empower people through sustainable financing.

To ensure maximum sustainability, we balance our risks. Part of our funds are invested in a less risky, term investment portfolio. This balances our riskier project portfolio. Our term investment portfolio is composed of investment-grade bonds. These investments are screened according to their ethical standards by the internationally recognized, independent screening agency, Ethibel in Brussels. As a result, our term investment portfolio has received the Ethibel label (with the exception of those bonds placed in countries that have not yet been rated).

Read more about how you can participate.

* The past is no guarantee of future performance.

This is not an invitation to invest nor is it an offer of securities and/or of financial instruments.  That can be made only through a formal prospectus where applicable pursuant to local legislation and in compliance with applicable local legal requirements and is therefore only allowed in certain jurisdictions. For more information, please read the disclaimer. Investment possibilities depend on the legal and regulatory situation for your country. For more information on investing in your country of origin, click here. Participation in Oikocredit entails financial risks associated with: country risks, currency risks, project risks, legal risks, dependency on volunteers, market and interest rate risks, liquidity risks and credit risks. Please see page 5-7 of the Oikocredit prospectus 2011 (dated 17 June 2011) and the three supplements to this prospectus (dated 1 July 2011, 24 January 2012 and 19 April 2012).