Frank Rubio, Regional Director South America Northern Region November 3, 2011 Peru Update
Agenda <ul><li>1. Overview of Oikocredit Peru Office  </li></ul><ul><li>2. Background on Sector in Peru  </li></ul><ul><li...
Oikocredit Peru <ul><li>Country office located in Lima, Peru </li></ul><ul><li>Operating since 2005 </li></ul><ul><li>Fran...
Peru: Background  <ul><li>Microfinance : </li></ul><ul><ul><li>MFIs regulated: 40, MFIs non-regulated: 34 </li></ul></ul><...
Our Portfolio <ul><li>Total Outstanding Portfolio: EUR 34 million (Sep. 2011) </li></ul><ul><li>40 active projects  </li><...
Countries with Largest Oikocredit Portfolio At 31 December 2010
Oikocredit Peru Supports Projects that Generate… Financial Return Social Return <ul><li>Generates Positive Economic Return...
How Do We Choose The Right Project Partners? <ul><li>Prior positive experience in activity </li></ul><ul><li>Targets poor ...
<ul><li>OIKOCREDIT PERU IN MICROFINANCE </li></ul>OIKOCREDIT PERU AND MICROFINANCE
Peru Microfinance Portfolio Facts & Figures: <ul><li>27 Microfinance partners (12 NGOs, 4 Coops, 10 non-bank, 1 MF bank) <...
Microfinance Portfolio: What We Offer <ul><li>Loans </li></ul><ul><li>Equity Investments </li></ul><ul><li>TA </li></ul>
<ul><li>Oikocredit Client Since: 2006 </li></ul><ul><li>US$ 711,112 loans outstanding </li></ul><ul><li>Portfolio Balance:...
<ul><li>Oikocredit Client Since 2009 </li></ul><ul><li>US$ 825,397 loans outstanding </li></ul><ul><li>Portfolio Balance: ...
Oikocredit Peru  in agriculture Our more active presence in the agriculture sector follows our mission and the conviction ...
Productive Portfolio <ul><li>Products:  </li></ul><ul><ul><li>Coffee beans and roasted </li></ul></ul><ul><ul><li>Cocoa be...
Productive Partners: Examples Cepicafe: coffee, cocoa, sugar cane and jams. FLO, organic Naranjillo: Cocoa and Coffee. FLO...
Fair Trade Portfolio Chirinos, technical staff <ul><li>First client Cepicafe (2006) </li></ul><ul><li>Credit lines for pre...
Fair Trade Portfolio CAC Oro Verde <ul><li>Others: UTZ, RA, Global Gap </li></ul><ul><li>Outreach: 280 to 7,500 farmers </...
Positive Impact of Fair Trade in Coops <ul><ul><li>High outreach in rural areas </li></ul></ul><ul><ul><li>Development of ...
Oikocredit Capacity Building Funds Training Planning Exchange Local Fairs
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Oikocredit in the Field: Update from Peru

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Presentation by Frank Rubio, Oikocredit Regional Manager of South America Northern Region. November

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  • Como inversionistas sociales tenemos la misión de invertir en proyectos con balance en su desempeño financiero así como en el social. Y para ellos tenemos que evaluar ambos lados. En la parte financiera, se ha avanzado mucho en las IMFs y ahora cuentan con objetivos financieros, indicadores financieros así como un Sistema de Información Gerencial adecuado a estos objetivos financieros. Sin embargo, qué sucede con el Desempeño social? Algunas IMFs tienen objetivos sociales, pero todavía no los indicadores sociales ni un sistema de información gerencial adecuado para manejar su desempeño social.
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  • Oikocredit in the Field: Update from Peru

    1. 1. Frank Rubio, Regional Director South America Northern Region November 3, 2011 Peru Update
    2. 2. Agenda <ul><li>1. Overview of Oikocredit Peru Office </li></ul><ul><li>2. Background on Sector in Peru </li></ul><ul><li>3. Oikocredit in Peru </li></ul><ul><li>4. Oikocredit in Peru:  Microfinance </li></ul><ul><li>5. Oikocredit in Peru: Agriculture / Production </li></ul><ul><li>6. Oikocredit in Peru: Capacity Building </li></ul><ul><li>7. Conclusion </li></ul>
    3. 3. Oikocredit Peru <ul><li>Country office located in Lima, Peru </li></ul><ul><li>Operating since 2005 </li></ul><ul><li>Frank Rubio (RM), Werner Thorne (DRM),Carina Torres (CM), Yolirruth Nuñez (SPM), Cesar Maita (LO), and Paola Ozambela </li></ul>
    4. 4. Peru: Background <ul><li>Microfinance : </li></ul><ul><ul><li>MFIs regulated: 40, MFIs non-regulated: 34 </li></ul></ul><ul><ul><li>Portfolio: USD 7,984 million </li></ul></ul><ul><ul><li>Clients: 2,728,946 active borrowers </li></ul></ul><ul><ul><li>Individual, solidarity groups, and village banking </li></ul></ul><ul><li>Credit and Saving Unions : </li></ul><ul><ul><li>86 credit and saving unions, out of which 15 are regulated </li></ul></ul><ul><ul><li>Portfolio: USD 354 million </li></ul></ul><ul><ul><li>Clients: 111,456 active borrowers </li></ul></ul><ul><li>Fair Trade and organic cooperatives/associations : </li></ul><ul><ul><li>92 producers coops/assoc. certified, 25 new applicants </li></ul></ul><ul><ul><li>Coffee, cocoa, banana, mango, tea, cotton, quinoa. Coming soon: maca and wood. </li></ul></ul><ul><ul><li>Nearly 70,000 small farmers </li></ul></ul>
    5. 5. Our Portfolio <ul><li>Total Outstanding Portfolio: EUR 34 million (Sep. 2011) </li></ul><ul><li>40 active projects </li></ul><ul><li>13 Fair trade and organic Projects </li></ul><ul><li>27 MFIs </li></ul><ul><li>4 Saving and Credit Unions </li></ul>
    6. 6. Countries with Largest Oikocredit Portfolio At 31 December 2010
    7. 7. Oikocredit Peru Supports Projects that Generate… Financial Return Social Return <ul><li>Generates Positive Economic Returns </li></ul><ul><li>Allows for greater incomes for beneficiaries </li></ul><ul><li>Targets the poorest </li></ul><ul><li>Provides positive quality of life changes </li></ul><ul><li>Does not harm environment </li></ul>
    8. 8. How Do We Choose The Right Project Partners? <ul><li>Prior positive experience in activity </li></ul><ul><li>Targets poor clients </li></ul><ul><li>Preference for rural over urban </li></ul><ul><li>Transparent and Fair Pricing </li></ul><ul><li>Social Performance Strategy </li></ul>
    9. 9. <ul><li>OIKOCREDIT PERU IN MICROFINANCE </li></ul>OIKOCREDIT PERU AND MICROFINANCE
    10. 10. Peru Microfinance Portfolio Facts & Figures: <ul><li>27 Microfinance partners (12 NGOs, 4 Coops, 10 non-bank, 1 MF bank) </li></ul><ul><li>Total Microfinance Portfolio: € 24million </li></ul><ul><li>PAR: 0% </li></ul><ul><li>Average Loan Size: €600,000 </li></ul><ul><li>2 Equity Investments (Confianza and Proempresa) </li></ul>
    11. 11. Microfinance Portfolio: What We Offer <ul><li>Loans </li></ul><ul><li>Equity Investments </li></ul><ul><li>TA </li></ul>
    12. 12. <ul><li>Oikocredit Client Since: 2006 </li></ul><ul><li>US$ 711,112 loans outstanding </li></ul><ul><li>Portfolio Balance: US$ 10,815,627 </li></ul><ul><li>19,099 Total Clients </li></ul><ul><li>45% Target Rural areas </li></ul><ul><li>67% Target Women </li></ul><ul><li>31% New Clients Under Poverty Line </li></ul><ul><li>50% Exclusive Clients (bancarizacion) </li></ul><ul><li>Implementing New Health Products for Clients </li></ul>NGO PRISMA:
    13. 13. <ul><li>Oikocredit Client Since 2009 </li></ul><ul><li>US$ 825,397 loans outstanding </li></ul><ul><li>Portfolio Balance: US$ 4,711,421 </li></ul><ul><li>16,145 Total Clients </li></ul><ul><li>31.0% Target Rural areas </li></ul><ul><li>88.4% Target Women </li></ul><ul><li>34% New Clients Under Poverty Line </li></ul><ul><li>60% Exclusive Clients (bancarizacion) </li></ul><ul><li>Implementing New Health Products for Clients </li></ul>NGO FINCA PERU
    14. 14. Oikocredit Peru in agriculture Our more active presence in the agriculture sector follows our mission and the conviction of having a more positive social impact in the farmer´s life. Cocla, Quillabamba, Cusco
    15. 15. Productive Portfolio <ul><li>Products: </li></ul><ul><ul><li>Coffee beans and roasted </li></ul></ul><ul><ul><li>Cocoa beans and chocolates </li></ul></ul><ul><ul><li>Cocoa powder, butter and liquor </li></ul></ul><ul><ul><li>Banana </li></ul></ul><ul><ul><li>Sugar cane </li></ul></ul><ul><ul><li>Jam </li></ul></ul><ul><li>Credit lines: </li></ul><ul><ul><li>USD 150k to USD 1.5 million </li></ul></ul><ul><ul><li>10 coops, 4 associations </li></ul></ul>
    16. 16. Productive Partners: Examples Cepicafe: coffee, cocoa, sugar cane and jams. FLO, organic Naranjillo: Cocoa and Coffee. FLO, organic
    17. 17. Fair Trade Portfolio Chirinos, technical staff <ul><li>First client Cepicafe (2006) </li></ul><ul><li>Credit lines for pre-exporting </li></ul><ul><li>Average amount: USD 500k </li></ul><ul><li>Mostly small farmer coops </li></ul><ul><li>100% certified by FLO cert </li></ul><ul><li>Organic certification, NOP, and USDA </li></ul>
    18. 18. Fair Trade Portfolio CAC Oro Verde <ul><li>Others: UTZ, RA, Global Gap </li></ul><ul><li>Outreach: 280 to 7,500 farmers </li></ul><ul><li>Strong support from local networks </li></ul><ul><li>Permanent contact with international buyers. </li></ul><ul><li>Contact with Fair trade Liaison Officers </li></ul>
    19. 19. Positive Impact of Fair Trade in Coops <ul><ul><li>High outreach in rural areas </li></ul></ul><ul><ul><li>Development of local economies and poverty reduction </li></ul></ul><ul><ul><li>Empowerment of farmers and their families </li></ul></ul><ul><ul><li>Increased income </li></ul></ul><ul><ul><li>Improvement of social welfare </li></ul></ul><ul><ul><li>Guaranteed minimum price and social bonus for organizations </li></ul></ul><ul><ul><li>Linking buyers with producers </li></ul></ul>CAC Oro Verde, buyers testing
    20. 20. Oikocredit Capacity Building Funds Training Planning Exchange Local Fairs
    21. 21. Thank you!

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