Oikocredit in a nutshell
•Als PPT, PDF herunterladen•
0 gefällt mir•362 views
What would your life look like without a debit or credit card, the ability to take out a mortgage or personal loan? Millions of people have no access to financial services. You can change this. Find out about micro loans
Empfohlen
Empfohlen
Weitere ähnliche Inhalte
Was ist angesagt?
Andere mochten auch
Ähnlich wie Oikocredit in a nutshell
Ähnlich wie Oikocredit in a nutshell (20)
Oikocredit in a nutshell
- 1. Oikocredit: Investing People Oikocredit Canada Central February 2013
- 2. What would your life look like without?
- 3. How does microfinance work? Microfinance Oiko Investors institutions, Entrepreneurs Village banks
- 4. 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
- 5. Oikocredit is a financial co-op 83% Women 70 Countries 896 Projects 26 million people
- 6. Oikocredit partners Commercial banks MFIs, co-ops, village banks, trade orgs, Informal sources $2.50 a day others $1.25 a day $2.50/day = $912.50 annually = global poverty line Source: Grameen Foundation, 2012
- 7. Where does Oikocredit invest?
- 8. 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!
- 9. 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.
- 10. Helping women earn a living Karina und Juana (Peru) Bakers Karina and Juana are customers of Banco de la Microempresa and operate a bakery.
- 11. 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!
- 12. 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.
- 13. 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.
- 14. 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
- 15. 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.
- 16. How to Invest in Oikocredit? • Oikocredit Canada Central sells bonds Bond certificate • 5-year term • 1.75% interest or 0% return + social returns • Starting at $250 • Facebook.com/oikocreditcanadacentral • Oikocredit.ca
Hinweis der Redaktion
- www.oikocredit.org
- www.oikocredit.at www.oikocredit.org 80% goes to 600 MFI which are tested for ESG. The remainder to direct investments also in cooperatives. 53% of clients live in suburban and urban slums. 47% live in rural areas. Oikocredit is a leader in the field of social impact measurement. Women are dominant in the client profile. Muhammad Yunus -- In 1976, during visits to the poorest households in the village of Jobra near Chittagong University , Yunus discovered that very small loans could make a disproportionate difference to a poor person. Jobra women who made bamboo furniture had to take out usurious loans for buying bamboo, to pay their profits to the moneylenders. His first loan, consisting of US$27.00 from his own pocket, was made to 42 women in the village, who made a net profit of BDT 0.50 (US$0.02) each on the loan. Accumulated through many loans, this vastly improving Bangladesh's ability to export and import as it did in the past, resulting in a greater form of globalization and economic status. [ c
- www.oikocredit.at www.oikocredit.org • Micro loans are small loans for people (especially women) in poor regions of the south. They amount to be converted into between $70 to $1,500 • re-Oikocredit finances about 550 microfinance institutions (MFIs), which handle local lending. In addition to microcredit, they also often offer savings accounts, insurance and business education. • People who get a loan start many different types of businesses – for example, purchasing of livestock, milk processing, sewing or obtain fair trade trade marks, organic trade marks, etc.
- The person receiving a loan will achieve proud financial independence when the loan is paid back in full! The vast majority of disadvantaged people pay off every last penny of their small loan. In 1976, during visits to the poorest households in the village of Jobra near Chittagong University, Yunus discovered that very small loans could make a disproportionate difference to a poor person. Jobra women who made bamboo furniture had to take out usurious loans for buying bamboo, to pay their profits to the moneylenders. His first loan, consisting of US$27.00 from his own pocket, was made to 42 women in the village, who made a net profit of BDT 0.50 (US$0.02) each on the loan. Accumulated through many loans, this vastly improving Bangladesh's ability to export and import as it did in the past, resulting in a greater form of globalization and economic status. [ c www.oikocredit.org
- www.oikocredit.org www.oikocredit.org India - SMILE, Semam Microfinance Investment Literacy & Empowerment Pvt Ltd 100% women 33% rural Social services To ensure repayment, the bank uses a system of "solidarity groups". These small informal groups apply together for loans and its members act as co-guarantors of repayment and support one another's efforts at economic self-advancement. [16]
- www.oikocredit.org www.oikocredit.org MiBanco, which services small and micro business owners and low-income earners in Peru, received the loan coordinated by the Inter-American Development Bank (IDB). Oikocredit put forward its maximum loan size of USD 6.5 million (€ 5 million), which will enable MiBanco to increase its lending capacity to female entrepreneurs. The bank has over 100 offices across the country. 50% of clients are women.
- www.oikocredit.org www.oikocredit.org
- www.oikocredit.org www.oikocredit.org
- www.oikocredit.org
- www.oikocredit.org
- www.oikocredit.org
- www.oikocredit.org
- www.oikocredit.org