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Oikocredit

Berkenweg 7, Amersfoort, Utrecht, 3818 LA, The Netherlands

Overview

Oikocredit is guided by the principle of empowering people. Their experience proves that the most effective and sustainable means of assisting those in need is providing an opportunity to help themselves.

Total investments
23
Lead investments
11
Investments · 12mo
3
Active investors
10

Sector focus

  • Finance
  • Financial Services
  • Impact Investing
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Investment portfolio

  • Sindhuja Microcredit

    Participated · Series D · May 2026

    Sindhuja Microcredit operates as an NBFC-MFI focused on providing joint liability group (JLG) loans and individual lending products to self-employed women entrepreneurs, traders, shopkeepers, and farmers in rural and semi-urban areas. Founded by Abhisheka Kumar and Malkit Singh Didyala, the firm says it has served more than 5 lakh borrowers across 12 states over the last eight years. It currently operates 366 branches and manages assets worth over Rs 1,100 crore. Sindhuja emphasizes lending to borrowers in rural and remote regions and targets underserved communities including women entrepreneurs and MSMEs. The company has a multi-stage funding history, having raised Series A from Carpediem Capital, a Series B during the COVID-19 period, a pre-Series C in 2023 led by Abler Nordic, and a Series C in 2024 led by Huruma Fund (GAWA Capital) with participation from Oikocredit. With the recent pre-Series D proceeds, Sindhuja plans to strengthen its capital base and expand its lending operations.

  • Sawa Energy

    Led · Debt Financing · Apr 2026

    Sawa Energy develops and operates distributed solar and battery storage systems for commercial and industrial customers across East Africa. The company focuses on replacing costly and unreliable grid electricity and diesel generation with dependable, affordable clean energy solutions. With the newly secured US$10 million debt facility from Oikocredit and GCPF, Sawa plans to deploy roughly 35 MW of solar capacity over the next 36 months, targeting about 250 C&I projects. CEO and co-founder Samuel Kaufman emphasized the funding will accelerate rollout of clean energy infrastructure, lower customer energy costs, and enhance operational resilience. The company positions itself as advancing energy security and climate action in the region through its C&I portfolio.

  • Prestamype

    Led · Equity · Mar 2026

    Founded in 2017, Prestamype offers digital credit and factoring services to Peruvian mipymes and operates a digital exchange, Cambio Seguro. Since launch it has disbursed more than US$650 million to finance SMEs; in 2025 it reported US$319 million in factoring disbursements (a 163% increase year-over-year) and reached breakeven two years prior. Cambio Seguro executed over 67,000 operations with US$700 million transacted in 2025. The company states that mortgage-backed loans and factoring generate over 90% of the holding’s revenues and projects ambitious growth for 2026 (US$85 million in loan disbursements and US$632 million in factoring operations). To support growth, Prestamype is creating a SAFI, pursuing additional institutional debt lines, evaluating new products (unsecured loans and leasing), expanding its physical presence in Peruvian cities, and targeting international expansion to Colombia and Mexico; it is also planning a US$10–15 million Series A.

  • Djamo

    Participated · Equity · Apr 2025

    Djamo is a mobile-first neobank founded in 2020 to expand financial access across French-speaking Africa, initially focusing on Ivory Coast and recently expanding into Senegal. The app combines the accessibility of mobile money with deeper banking features such as cards, peer-to-peer transfers, savings vaults, investment products (enabled by a fintech-issued brokerage license), and salary-linked accounts. Djamo also serves small businesses with bulk payments, payment links and QR code tools, and counts roughly 10,000 merchants among its users. The company reports over 1 million customers, that more than 55% of its base are previously unbanked users, a 250-person team, and that it has processed more than $4.5 billion in transactions since launch. Revenue has grown 5x since 2022, and 25% of users pay for a premium tier; Djamo generates income from merchant fees and premium subscriptions and is exploring lending and interest-bearing savings as additional revenue streams. The startup is pursuing licenses to offer interest-bearing accounts and credit and uses a hybrid model of app services plus offline agents to reach harder-to-activate customers. Djamo is a fintech building a financial super app for underbanked consumers in Francophone Africa, offering a Visa-powered debit card, virtual accounts, a salary receipt product and an autosaving feature. Launched last year by Régis Bamba and Hassan Bourgi, the platform enables interoperability between banks and mobile money wallets, allowing transfers between bank accounts and mobile money. The app has registered over 500,000 customers (up from 90,000 in Feb 2021) and has processed over $400 million since inception. Djamo reports revenue growth of 20%–25% month-on-month and operates a freemium pricing model with $2 and $3.50 monthly premium tiers that it says are ~80% cheaper than competing bank accounts in Ivory Coast. The company says 60% of customers had never used a Visa debit card before joining and that growth has been largely organic via word of mouth. With the new funding Djamo plans to expand into two other Francophone African countries before the end of next year and to add investments and lending products. Djamo builds a mobile-first financial super app aimed at expanding affordable banking access across Francophone Africa, with a focus on better front-end experiences and faster customer service. The product offers Visa debit cards with a zero-fee tier and a premium plan around $4 per month for higher limits. Founders Hassan Bourgi and Régis Bamba designed tailored layers to serve different user needs and to enable payments for services like Amazon, Alibaba and Netflix. Djamo claims about 90,000 registered users and processes over 50,000 transactions monthly. The company raised a $350,000 pre-seed in June 2019 from private investors and later received backing from Y Combinator. Operationally, Djamo routes between payment providers to keep services running and built an in-house delivery app and agent network to deliver cards quickly. After YC, Djamo is set to participate in Visa’s Fintech Fast Track program to leverage Visa’s network for new payment experiences.

  • Kaleidofin

    Participated · Equity · Sep 2024

    Kaleidofin is a financial-services platform that delivers tailored solutions to millions of customers and enterprises in India who lack convenient access to formal financial services. The company combines distinct products—credit, investment, insurance and savings—into integrated solutions built around customer profiles, underwriting, solution design and machine-learning suitability algorithms. It leverages distribution networks such as agents, cooperatives, self-help groups, temporary agencies and microfinance institutions to deliver solutions at scale. Kaleidofin’s technology and data-driven approach aim to craft products that work for customers’ real needs and risk profiles. The company is led by co‑founders Sucharita Mukherjee (CEO), Puneet Gupta (CFO), Natasha Jethanandani (CTO) and Vipul Sekhsaria (COO). The firm intends to use new funding to expand operations and accelerate product and development efforts. Kaleidofin operates a neobanking platform focused on the informal sector, offering products such as KaleidoGoals (goal-based savings), KiScore (ML-based credit health checks), KaleidoCredit (credit-as-a-service) and KaleidoPay (inclusive payments). The company serves over 1 million active transacting customers and has built a footprint across 230 districts and 14 states in semi-urban and rural India. Founded in 2018 and based in Chennai, Kaleidofin targets low-income and underserved communities with a specific focus on women customers. The platform combines savings, credit assessment and payment services to enable financial inclusion for individuals and nano/micro-SMEs. Management says new capital will be used to strengthen product lines and to launch and scale the KaleidoCredit business for customized credit products. Kaleidofin is a Chennai-based neo bank that offers goal-based savings, credit assessment, credit-as-a-service, and inclusive payments for informal-sector customers. Its core product lines include KaleidoGoals, KiScore (a supervised machine-learning credit health check), KaleidoCredit (credit as a platform), and KaleidoPay. The startup serves over one million active transacting customers across 230 districts and 14 states. Founders say they will scale the KaleidoCredit business line and deepen investments in technology, risk management, and data science. To support the next phase of growth, two founding team members, Natasha Jethanandani and Vipul Sekhsaria, were appointed co-founders. The company has raised $18 million to date, including a $10 million Series B announced in this round. Kaleidofin is a Chennai-based neobank founded in 2017 that provides curated, goal-based financial solutions to underbanked customers using a 'tech with touch' model. It creates individual household personas from demographic, income, and asset data to tailor savings, insurance and other financial plans. The company works through nearly 30 network partners, including MFIs, corporates, and NGOs, to reach customers. In less than two years of operations Kaleidofin has acquired over 50,000 customers across 10 Indian states. Management says the Series A proceeds will be used to strengthen the technology backend and pursue growth opportunities. The company positions itself around improving access to formal financial services for low-income segments. Kaleidofin is an app-based end-to-end financial-technology platform offering curated financial solutions aimed at the informal sector. The platform leverages the India stack (eKYC, eSign, eNACH) to provide seamless integration for customers and product partners. It acquires customers through partnerships with banks, NBFCs and microfinance institutions, and counts roughly 1,300 customers mainly in Chennai, Gujarat, and Bihar. Strategic partners named in the article include SEWA Bank, Sonata Microfinance, ICICI Pru MF, UTI, Aditya Birla, SBI, ICICI Pru Life and Bharti Axa. The company plans to expand its partner network into agents, banking correspondents, cooperatives and self-help groups while accelerating customer acquisition via technology and analytics. Over the next three years Kaleidofin aims to reach one million customers.

Team