Who do we support?
For the past 35 years, Oikocredit's primary goal has been to provide credit to organizations that may otherwise not have access to funding. The largest part (80%) of Oikocredit's total development financing portfolio is allocated to intermediary microfinance institutions (MFIs). MFIs use Oikocredit's capital to provide small loans (microcredit) and other financial services to individual entrepreneurs and small and medium sized companies.
Oikocredit also provides loans and equity investments to businesses and organizations in sectors such as agriculture, fair trade, manufacturing, health care and education.
Microfinance
Around 80% of the development finance portfolio, € 389 million, is invested in microfinance - microcredit institutions, organizations offering diverse financial products, small to medium-sized lenders, wholesale funds and housing loans.
Our microfinance funds finance close to 600 microfinanceinstitutions worldwide which together reach more than 29 million clients. 50% of those clients live in rural areas and 86% are women.
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For Oikocredit, socially responsible investment includes supporting fair trade and production organizations in developing countries, as well as fair trade importers and manufacturers in Europe and the USA. A prime objection of investments in the north is to develop the market for southern producers.
Fair trade means the payment of prices above market rates for natural and organic production of raw materials, as well as good working conditions (decent wages in the local context, normal working hours, right to membership in a trade union and no child labour).
Oikocredit supports around 50 fair trade institutions in close to 30 countries.The fair trade investment is € 15.8 million. Almost two thirds of this investment is in coffee, cocoa and tea cooperatives and farmer organizations in Latin America.
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