Despite the global credit crunch, social entrepreneurs are continuing to invest in hope. Oikocredit – one of the leading financiers of microfinance – has decided to pay a dividend of 2% to its members for the 15th year in a row.

Everyone is talking about the 'credit crunch'. Patrick Hynes, from Oikocredit, reflects on how access to fair finance continues to be a problem for people who are poor, and proposes a simple solution.