Oikocredit Canada Central

February 2013

Oikocredit: Investing People

What would your life look like without?

How does microfinance work?

Oiko InvestorsMicrofinance institutions,

Village banksEntrepreneurs

How does microfinance work?

• Oikocredit provides private capital to the microfinance sector.

• Canadians invest in Oikocredit to participate in this mission.

• Canadians obtain social and financial returns

Oikocredit is a financial co-op

26 million

people

83% Women

896 Projects

70Countries

Oikocredit partners

$2.50 a day                

$1.25 a day                

$2.50/day = $912.50 annually = global poverty line

Source: Grameen Foundation, 2012

Commercial banksMFIs, co-ops, village banks, trade orgs,others

Informal sources

Where does Oikocredit invest?

Why invest rather than donate?

• Donations will always be needed for emergencies, health care, building civil society, promoting social justice.

• Investments are needed to build productivity & economic growth.

• A loan offers dignity and builds self-confidence!

Collaboration rather than collateral

Credit trust group (India) SMILE

Oikocredit’s partner SMILE offers over 300,000 women access to small loans in the Tamil region of Nadu.

Helping women earn a living

Karina und Juana (Peru)Bakers

Karina and Juana are customers of Banco de la Microempresa and operate a bakery.

Helping small businesses expand

Laila (Philippinen)Seamstress

Laila took out a loan to expand her small one-woman shop to a business with 20 employees within 5 years!

Building international supply chains

Appbosa (Peru)Cooperative

With a project loan from Oikocredit, Appbosa was able to obtain a fair trade designation that enabled the coop to export to European markets.

Oikocredit International

• Oikocredit is a financial co-operative (much like a credit union).

• Founded in 1975 within the ecumenical church movement.

• Private investment capital raised mostly by volunteers.

• Capital managed and disbursed by professional money managers.

Oikocredit in Canada

• Three Support Associations (‘branches’)

• Canadians have invested almost $6 million in Oikocredit

• Denominations and para-church organizations have invested

$1.26 million directly with Oikocredit International

Is it safe to invest in Oikocredit?

• Oikocredit has an impeccable record.

• Our existing investments range from $250 to $150,000 and up. • In summary, the following risk provisions are in place:

– Your capital is invested into Oikocredit as a worldwide entity, never in a specific project or specific individuals. This spreads investment risk for all investors.

– Oikocredit maintains generous loss provisions for each specific project it invests in worldwide.

– Moreover, Oikocredit maintains an organizational reserve fund which is invested in long-term, carefully screened, ethical investment instruments.

How to Invest in Oikocredit?

• Oikocredit Canada Central sells bonds

• 5-year term

• 1.75% interest or 0% return + social returns

• Starting at $250

• Facebook.com/oikocreditcanadacentral

• Oikocredit.ca

Bond certificate