What We Do

We invest our clients' capital in many areas that the UN's Agenda for Sustainable Development seeks to address by 2030, while targeting a balanced financial, social and environmental return.

“Our ambition is clear. We want to focus on improving the lives of low-income people in areas where need and opportunity are greatest. We want to maximize our social impact while safeguarding the environment and generating fair financial returns. We want to lead in positive change, to be the preferred social investor and development partner for our partner organisations. We want to offer our investors the chance to be part of a global movement for social change.” - Thos Gieskes, MD Oikocredit International.

Our activities and associated impact metrics also align with many of the United Nations sustainable development goals (SDGs). Five SDGs, in particular, are at the heart of our mission across Africa, Asia and Latin America.

Our primary investment sectors

To help us attain the widest social and environmental impact we focus your capital on three core sectors:

Inclusive finance

Around 2 billion adults (38% of total) in the world still lack access to the basic financial services they need to grow their own income-generating activities and build a path out of poverty for their families. 

The problem is particularly marked for women. Oikocredit targets these issues by providing loans, equity and other support to inclusive finance enterprises (microfinance institutions, social banks and co-ops), placing particular emphasis on women’s economic empowerment & rural communities.

Smallholder agriculture and co-operatives

Around 1 in 4 of the world’s poorest people live in rural areas, relying on agricultural activities to meet their daily needs. It is estimated that 70% of the world’s agricultural produce comes from these smallholder farmers who are also most at risk from the impacts of climate change on their crops, as well as volatile pricing and unfair competition. 

As one of Oikocredit’s strategic growth priorities, we support these people by providing finance and technical assistance to agricultural co-operatives, fair trade producers, suppliers and distributors. We place particular emphasis on ensuring that they can secure fairer, more robust positions in the value chain and build greater resilience in the face of climate change and other obstacles.

Affordable, renewable energy

Around 1.2 billion people world-wide live without access to clean, affordable energy, and around 4 out of 5 live in rural, often remote, off-grid areas. 

As another strategic growth priority for Oikocredit, we place your capital in ventures that provide renewable energy in underserved regions in a way that is economically, socially and foremost environmentally sustainable.  We target off-grid, rural renewable projects in particular.