As the holiday season unfolds, we at Oikocredit extend our warmest greetings to everyone in our community.

This year has been marked by challenges and uncertainties, with news often shadowed by conflict and hardship. Yet, amidst these trying times, your cooperation and support of our mission have been sources of hope and resilience. Your engagement and belief in our work have empowered communities globally, fostering progress in key sectors like financial inclusion and sustainable agriculture.

As we celebrate this season of giving, we're reminded of the collective strength and compassion that define our community. Your continued interest and belief in Oikocredit's work are invaluable as we navigate these complex times together.

Inspired by the impact we've achieved and the potential for even greater positive change in the coming year, we wish you a joyful holiday season filled with peace, love and hope.

Pictured at the top: Farmer Primitivo Gonzales Serrano (third from left), 65, and credit coordinator Georgina Conde Chura from Oikocredit's Peruvian partner Caja Cusco.

Primitivo and his 62-year-old wife have been cultivating maize for many years, supported by their four children. They own 15 hectares of land and rent additional space for farming. Each year from June to August, they use a tractor and machinery, financed through loans, to manage their crops.

For 20 years, they've been customers of Caja Cusco, which has facilitated their agricultural operations. Primitivo's family maintains timely loan repayments, investing in land rental and farming inputs. Their future plan is to continue farming with Caja Cusco's support, eventually passing the land to their children.