Investment product

When you invest in depository receipts of the Oikocredit International Share Foundation (OISF), you acquire a redeemable impact investment product, which has historically delivered a gross dividend of between 1%-2% each year, every year* while creating a positive social and environmental impact.  *Taken from Annual Reports & Accounts.   


What are Depository Receipts?

To raise investment capital for our work the Oikocredit co-operative issues shares to its members. In turn, one of these members - the Oikocredit International Share Foundation (OISF) - provides an investment opportunity for non-members (the general public) by issuing depository receipts for Oikocredit shares. 

Depository receipts have similar characteristics to ordinary shares, with dividends which can be taken, reinvested or donated (see below). Unlike ordinary shares, depository receipts do not come with voting rights and are non transferable. This helps to protect the social mission of Oikocredit and ensures that a sustainable balance between financial and social returns is achieved.  

These depository receipts are the investment product you buy when you invest in the Oikocredit International Share Foundation (OISF). They are classified as a non-readily realisable security by the Financial Conduct Authority (FCA), which is any investment which is not in a government or publicly issued security. Neither is it in a security which is admitted to official listing on, or regularly traded on (or under the rules of) a recognised investment exchange, e.g. the Social Stock Exchange, AIM, the London Stock Exchange.

Positive financial, social and environmental returns

The OISF depository receipts have historically delivered a gross dividend of between 1%-2% each year, every year.*   Like any investment product, the dividend is not guaranteed and may vary each year.  Investments can be in EUROS or POUNDS STERLING.  The minimum investment is 200 (£150), there is no maximum. There is no fixed notice period for redeeming your investment; no annual management charge, commissions, fees or other charges and investors have always had their capital repaid. *Taken from Oikocredit Annual Reports and Accounts.

Taking, re-investing or donating your dividend

You can choose to receive your dividend direct to your bank account, reinvest it in your depository receipts, or donate it to the Oikocredit Support Association for Oikocredit's additional technical capacity-building activities.   This capacity-building fund is used to build the skills of our partners (and low income communities) in developing countries, while helping to reduce the investment portfolio risk.