Impact sectors  
Impact locations  



North America

Central America

South America

Western Europe

Eastern Europe

Product types


Equity & withdrawable shares

Provides working capital to microfinance institutions (MFIs) all over the world.

Oikocredit is one of the world’s largest sources of private funding to the microfinance sector. We also provide credit to trade cooperatives, fair trade organizations and small-to-medium enterprises (SMEs) in the developing world.

We lend working capital to microfinance institutions (MFIs) all over the world. In turn, they dispense life-changing loans to the poor and disadvantaged, with a special emphasis on rural areas and women.

Social investing
We offer a dual return to our investors: financial and social. In addition to earning modest financial returns, investors are secure in the knowledge that their money is being used to fight poverty, promote fair trade and respect our planet’s natural resources.


Oikocredit is one of the world’s largest sources of private funding to the microfinance sector, providing credit and equity to small businesses through microfinance institutions across the developing world and directly to trade co-operatives, fair trade organisations and small-to-medium sized enterprises.


Social Impact

Funding by region


Funding by sector


Countries with highest capital outstanding

What makes Oikocredit social investment different?

  • Oikocredit offers a simple way to make a truly ethical investment from £150, with a modest financial return and a tangible social benefit.
  • Our local staff have in-depth knowledge of the regions they serve, to help us reach the areas with the greatest need, including rural villages and new enterprises.
  • We aim to build sustainable relationships with project partners and provide assistance beyond financial services.
  • Oikocredit has over 35 years' experience in providing credit to marginalised people irrespective of their faith, culture, age or gender.
  • Our investors have always had their investment repaid on request.
  • We use 100% of your investment to finance our development project partners.
  • Supporting and challenging our project partners to improve social performance and transparency is at the forefront of Oikocredit’s mission.


Financial details

A consistent return of 2% and access to your capital

An investment with Oikocredit is intended to maximise the social benefit and pay a modest financial return. A 2% dividend* has been paid almost every year since 1989. Shares have held their value since Oikocredit started in 1975, though their value may stay the same or go down in the future. You can request repayment* of your investment at any time, although we hope you will consider Oikocredit a long-term investment.

* Note: By investing via SharedImpact, returns are made to your SharedImpact account, from which they can be deployed to further charitable causes, but not returned to you personally.




Transaction restrictions:

Minimum: £50.00


Impact sectors:

Fair trade
Sustainable agriculture
Impact locations:

Support with SharedImpact:

It's flexible - we lower the usual minimums to let you spread your support to many causes.

It's easy - no need to call, email or discuss with an advisor.

It's charity - as a Registered Charity we ensure your donations are used efficiently.

It's assured - years of impact investment, financial and technical expertise combined.

It's expert - as the inventors of the secondary market for social investments you know you're in good hands.

It's yours - we're here for you. No shareholders. No parent corporate. Simply charity.

Helping you manage the gift that keeps on giving



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