Client protection and transparency

Oikocredit supports industry-wide initiatives that promote transparency and facilitate the implementation of tools that monitor the social impact of investments. We integrate these into our own operations and encourage our partners to do the same

Client protection principles (CPPs)

the Client Protection principles (CPPs) have been created by the Smart Campaign and protect clients from unfair, non-transparent and unethical practice. These ensure institutions do not loan amounts that cannot be repaid or provide products people do not need.

The Client Protection Principles cover:

  • Appropriate product design and delivery
  • Prevention of over-indebtedness
  • Transparency
  • Responsible pricing
  • Fair and respectful client treatment
  • Privacy of client data
  • Mechanisms for compliant resolution.

The client protection principles have been integrated into the environmental,social and governance scorecard, which all new partners must endorse.


Transparency and accountability are essential in developing a responsible microfinance sector.

We encourage our partners to report to the MIX Market, a global, web-based source for financial and social performance data on MFIs. Of our partners, 55 % report financial performance and 45 % report social performance to the MIX Market. The percentage of microfinance partners that were financially rated increased to 55 %. The percentage of partners with an external social rating increased to 25 % in 2012

We also ask our partners to disclose their interest rates to MFTransparency

Our partners provide us with the interest rate details on their primary financial product(s). Oikocredit determines whether the interest rate is acceptable using the knowledge of partners and field staff and assessing the local market