Oikocredit Ecumenical Development Co-Operative Society U.A.

Using investors' capital, Oikocredit dedicates itself to improving the livelihoods of people and communities in low-income and developing countries so that they can create their own path out of poverty. It therefore provides loans, equity and other investments to revenue-generating, mid-growth partner organisations that are focused on development and can show a clear social/environmental impact. Oikocredit’s primary investment sectors include:

• Inclusive Finance (€ 815 million): 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. The problem is particularly marked for women. Oikocredit targets these issues by providing loans, equity and other support to inclusive finance enterprises (including microfinance institutions and co-ops), placing particular emphasis on women’s economic empowerment & rural communities (e.g. KWFT Kenya, Anapurna India).

• Agriculture, including co-operatives, fair trade and organic (€ 157 million): Around 1 in 4 of the world’s poorest people live in rural areas, relying on smallholder agricultural activities to meet their daily needs. 70% of the world’s agricultural production 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 sectors, we support this group 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 (e.g. Divine Chocolate, Cafédirect, Ambootia Tea Estates, Cocafcal).

• Renewable Energy (€ 40 million): 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 invest in ventures that provide renewable energy in underserved regions in a way that is economically, socially and foremost environmentally sustainable (e.g. BBOXX Rwanda, PEG Ghana).

Oikocredit also prioritises Gender empowerment and investment in infrastructure sectors.
Oikocredit supplements its investments with capacity-building donations raised from investors (via dividend contributions) and donor institutions. These donations are used to enhance the technical skills of partners and their end clients (end beneficiaries), whilst helping to reduce portfolio risk.

Member Type

Organisational member, C

Areas of Interest

  • Agriculture
  • Capacity Building
  • Climate Change
  • Education – Development & Capacity Building
  • Health – General
  • Human Rights
  • Microfinance
  • Water and Sanitation

Operational Areas

  • Argentina
  • Azerbaijan
  • Benin
  • Bolivia
  • Brazil
  • Burkina Faso
  • Cambodia
  • Cameroon
  • Chile
  • Colombia
  • Costa Rica
  • Côte d'Ivoire
  • Ecuador
  • Egypt
  • El Salvador
  • Ethiopia
  • Gabon
  • Ghana
  • Guatemala
  • Honduras
  • India
  • Kenya
  • Malawi
  • Malaysia
  • Mali
  • Mexico
  • Mozambique
  • Nicaragua
  • Nigeria
  • Panama
  • Paraguay
  • Peru
  • Philippines
  • Rwanda
  • Senegal
  • South Africa
  • Sri Lanka
  • Tanzania, United Republic of
  • Togo
  • Uganda
  • Uzbekistan
  • Viet Nam
  • Zambia

Contact's Name

Monica Middleton


[javascript protected email address]

loading map...

Join Scotland's International Development Alliance and be part of Scotland's international development community. 

Join Today