Oikocredit puts around 80% of its loan and investments in microfinance institutions. Microfinance institutions provide financial services, such as small loans, savings products and insurance to people who would otherwise have no access to these services, for example because they have nothing to use as collateral.
Oikocredit invests in microfinance because it creates a business relationship with the end beneficiary. As an Ivorian saying goes: 'The hand that gives is always above.' When giving a loan rather than a donation, the borrower's hand will also have a chance to be 'above': at the time the loan is paid off.