OIKOS

Brazil have the world's second biggest banking intermediation spread, which makes taking credit a expensive and hard experience to small and medium enterpreneurs that want to make their business grow. OIKOS wants to help to reduce spread and make credit more affordable to enterpreneurs that are commited to local sustainable devellopment and be an investment option to small investors that want their money to go to productive and eco-friendly enterprises.

We expect that OIKOS will help to reduce income inequality in our country, generate worthy jobs and a better environment to live and to undertake.

In emerging markets, the SME's are responsible for the creation of 80% of all of the formal jobs. These markets are also the ones with the biggest social and economic inequality, and the small and medium enterpreneurs stuggle with the lack of affordable credit. Banking is traditionally the only way people get credit, and the lack of competition makes the price harder to adjust. 

Latin America banking intermediation spreads are high to international standars, and Brazil's has the second biggest in the world. 

At the same time, the financial produts in fixed income had not performed well in Brazil since the adjusts made after the crisis of 2015, and Latam follows it's tendency, except for Argentina. 

Financial produts that redirects the money to productive, environamentally and socially sustainable enterprises are also not available to not-qualified investors. 

OIKOS intends to solve the problems of lack of credit to SME's while makes money circulate more locally and generate local sustainable devellopment creating investment oportunities to small investors. 

There is a giant lack of financial education among brazilian population, and this can be considered one of the many factors that made many business be old and eternally small, instead of continually grow. In the last decade, it's possible to observate a transition occuring in the investment profile and portifolio of people, that began in the upper middle class and now arrives at the lower middle class.

Also, the consumption of vegan and organic food, goods that are more durable, with less plastic and produced locally has increased and is still growing, and the supply hasn't adjusted yet, because of the lack of credit and good conditions to launch new services and business. 

In Brazil, woman are the majority among these enterpreneurs, especially because of historical reasons and the facility of producing at home. In fairs, where OIKOS research is more focused in, it's easily noticed.

OIKOS intends to be a digital platform that approximates to a peer to peer lending model, where it will be possible that people choose to invest in funds that will be composed by enterprises of one sector (familiar agriculture, vegan cosmetics, etc) with the certitude that their money is going to work for local devellopment and will be allocated in eco-friendly initiatives. The fund-model gives the investor more security that they will receive back what they invested, which is important in a country without an investment culture and to small investors that need security. 

To the credit taker, there will be a risk and a sectorial analysis to see if they fit in the model and meet the requirements of an environment-positive impact.

OIKOS is innovative because it will make sustainable investment accessible and will guarantee the sustainability of the credit-taker business using tools of environment impact analysis. Our aproach based on improving the quality of credit tries to solve the basis of the brazilian sruggle with undertaking.

Our solution is going to use a digital banking platform, to give acces to the investor's portifolio and make the management easy, and to the debtor the status of the lending. With investment, OIKOS may use blockchain and other mechanisms.

At the moment, this is just an idea, so there is only 2 people involved, learning from it. In one year, if we get investment and launch our idea, maybe about 200 people directely. In five years, in a good projection, considerating the growth of the brazilian fintechs, about 500.000 people.

Begin the operations, make banking spread go lower, make small business grow and escalate, get profit to fund new reasearch and new projects to get more people involved and commited to sustainable devellopment

We don't have funding to devellop a high quality platform and deal with the brazilian legal requirements to be a regulated financial institution. We are students of the areas of economics, finance and environmental analysis, so we don't have skills in computing and network security.

We want to hire qualified people once we have money or give them shares of OIKOS

At the moment, there is only two people on it

Since we will have a platform and accomplished the legal requirements, we will be able to begin to raise funds from the people that want to lend to the enterpreneurs that own the SME's. From this moment, the operation of OIKOS will sustain itself.