It’s all about social impact
Empowering people to improve their lives and to uplift their communities – that’s how we create a sustainable impact. When you invest with us, your money reaches carefully selected partners in financial inclusion, agriculture, and renewable energy. These partners, in turn, give local communities access to financial services and offer capacity building. Together, we create real opportunities for people with low incomes to improve their livelihood, increase their earnings, build resilient businesses and secure a sustainable future. Making a real difference in communities around the world.

Where we make a difference
Our focus areas
Together, we create change. Our focus areas are where we make a real difference.
Financial inclusion
Can you imagine navigating life without access to essential financial tools like a savings account or a small loan for your business? Over a billion adults worldwide face these challenges every day. We work to change this by supporting organisations that provide essential financial services, tools and knowledge. Together, we open doors to a brighter financial future for all.
Agriculture
Picture the struggles of a farmer battling climate change. Smallholder farmers play a crucial role in local and global food production, yet they face immense difficulties, especially as a result of climate change. We invest in and strengthen initiatives that support these farmers, to enhance their resilience and improve their livelihoods.
Renewable Energy
For nearly 800 million people, living without reliable electricity or clean cooking options is a daily reality. We invest in sustainable energy solutions and support providers with the resources they need to bring clean cooking and reliable power to those who need it most, improving both health and living standards.
Explore more about our focus areas


Together we create impact
Our investors aren’t just any individual or organisation. Through our local presence across Europe, we build strong relationships and communities through our regional support associations. We use this approach to provide the opportunity to engage beyond investing.

9
Countries

20
Support associations

46,700+
Investors
Worldwide network of part
Our partners aren’t just any organisations. We carefully select, screen and monitor each one of them, ensuring they align with our values and social goals. Through our local presence across Africa, Asia, Central and South America and the Caribbean, we build strong relationships and provide crucial support. We use this approach to make every investment impactful.

33
Countries

3
Continents

500+
Partners
Tools to drive change
Community-focused
We believe in people’s potential, but opportunities are not distributed equally. Since 1975, Oikocredit has been working to ensure fair access to opportunities by investing in the empowerment of people with low incomes across the world. What sets us apart is our community-focused approach, adapting our efforts to each community’s unique needs. We offer our local partners with tools to drive lasting change in their communities: loans, equity investments and capacity building. And with their knowledge, they empower people with lower incomes, giving them the opportunity to build better lives.
Loans
By offering access to loans of an average € 2 million, we empower partners like regional banks and agricultural cooperatives to invest in people’s futures and promote economic growth. With our approach, each loan is designed to support a more sustainable and equitable world.

Equity investments
Our equity investments are designed to support sustainable growth of our local partners and maximise social impact. By providing stable capital with a long-term outlook, we support measurable progress that balances financial success with care for the environment and communities, creating lasting positive change.

Capacity building
We know that money alone isn’t enough. Therefore, our investments go hand-in-hand with our non-financial support. We provide knowledge, technology or financial support to improve our partners’ skills to access additional markets. We also focus on strengthening their governance and management to enhance their financial, social and environmental performance.

Social impact
For us, social impact is more than just words; it’s our guiding principle. Our impact is felt in the lives we reach. Through our collaborative efforts, individuals with low incomes can start or expand businesses, improve crop yields, pursue education or bring solar power to their communities – just to name a few examples of the concrete benefits.
By focusing on meaningful improvements, we empower people to build better lives for themselves and their communities. And in doing so, we give investors the chance to put their money to good use. See more of our impact here.




Environmental performance
We’re dedicated to protecting the environment – whether it’s through our own operations, our investment choices, or raising awareness with our partners. Our environmental guidelines and strict due diligence ensure that every partner we work with meets our standards for environmental performance.