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Our focus areas

At Oikocredit, we concentrate our efforts on three areas that drive substantial impact. Our focus areas are carefully chosen to ensure that every investment leads to meaningful change. Discover how we make a difference in each sector.

Our focus

Financing futures

Financial inclusion

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.* Without financial tools, managing finances and planning for the future becomes incredibly challenging.

Oikocredit bridges this gap by investing in partners that provide essential financial services. These partners offer microloans and other financial products, as well as the tools and knowledge needed to empower individuals and businesses, making financial services more accessible and reliable.

*World Bank Global Findex Database

How we make a difference

Microfinance institutions

Providing responsible financial services to help individuals with lower incomes secure their future.

Small and medium enterprises

Supporting businesses in financial inclusion, agriculture and renewable energy with the finance they need to grow and create jobs.

Innovative solutions

Investing in innovative projects in climate-smart agriculture, education, social housing and finance to become more efficient and reach more people.

Sowing the seeds of success

Agriculture

Coffee, grains, cocoa, fruit, nuts and more. Over 500 million smallholder farmers around the world play a crucial role in feeding the local and global population. Yet, many face unstable prices and limited access to finance, as well as greater challenges arising from climate change. Oikocredit works to make a difference. We provide loans, equity investments and support through capacity building to strengthen organisations that work with these farmers.

Our goal? To help farmers grow their businesses, boost productivity and access better markets. We also promote sustainable practices like crop diversification and climate-smart agriculture. By partnering with organisations that strive to follow these practices, we contribute to local food security and the well-being of farming communities.

How we make a difference

Pre-export credit lines for specific crops

Providing cooperatives and companies with working capital to buy crops from small producers and secure markets.

Long-term loans for fixed assets and production

Offering funds to invest in essential equipment and infrastructure, boosting productivity and sustainability.

Support for climate-smart agriculture

Encouraging sustainable practices that protect crops and reduce environmental impact for lasting benefits.

Lighting the way

Renewable energy

Nearly 800 million people are without clean, affordable electricity, and over a third of the world’s population lacks safe cooking solutions.* Can you imagine living without either? This reality leads to serious health risks and stifles economic growth. Oikocredit is committed to changing that.

We invest in renewable energy project developers and distributors as they expand and deliver essential energy services and clean cooking solutions to those who need them most. Our investments, alongside capacity building, drive sustainable energy solutions that improve living standards, boost health, and create new economic opportunities.

*(IEA) – World Energy Outlook 2022

How we make a difference

Solar home systems and mini-grids

Providing off-grid households and rural communities with reliable electricity through solar technologies, including home systems and mini-grids.

Commercial and industrial solar

Supporting solar projects for businesses to enhance energy efficiency and reduce operational costs.

Clean cookstoves

Offering clean alternatives to traditional cooking methods, reducing health risks and environmental impact.

Understanding our impact

Curious about the impact of your investment? Explore how our targeted approach drives meaningful change across our focus areas. Learn more about our strategies and the positive outcomes we achieve through our work.