Oikocredit is an international co-operative that unites thousands of people around a common goal : to contribute to positive development and financial inclusion for those most vulnerable in developing countries. Our efforts are centered around three sectors : microfinance, fair trade and renewable energy. In order to combat climate change and reduce global warming, we must abandon fossil fuels and invest in renewable energy. Oikocredit challenges each one of us to invest responsibly. Our guiding principle is to create a positive social and ecological impact, and our investors give with social, economic and ecological goals in mind.