Our Bonds
"Only those who invest in the present invest in the future"
Student Dormitory in Thailand
ducation is one of the most valuable resources today. By investing in our bonds, we are creating affordable housing for students in Thailand's capital, Bangkok.
Pre-School in Thailand
Unlike in Austria, education in Thailand is not so self-evident and certainly not free of charge. With your investment we are building an English-Thai Pre-School in the rural northeast, one of the poorest regions of Thailand.
Microcredits in Kosovo
With your investment you support the purchase of production equipment (sewing machines, seeds, tools) for hundreds of small startups and family businesses that want to create jobs and build their own livelihood.
"Our innovations are the defining Alliance with our Future."
- Johanna May, Sustainability Committee
Efficient Circulation
"You change People's Lives"
"Join us in changing the future!"
All instances of the Schweitzer & Hirscher Develeopment Association at a glance
Your deposit will be pooled with us and together with our project partners - development banks and microcredit institutions - awarded to the projects you select in our 5 categories.
"We won't sell you anything we don't believe in ourselves. That's why we're committed to having at least 16% equity in every bond we invest."
- Rebecca Humborg, Chair of the Sustainability Committee
Microcredit & Bonds?
"Test your general financial knowledge"
"Our innovations are the defining Alliance with our Future."
- Johanna May, Sustainability Committee
With 7 Innovations to the Goal
"The Schweitzer & Hirscher Development Association is the first private financial institution to link microlenders and microcredit borrowers, working for social development projects."
Direct bridge between Microcredit and small Investors
Development banks rely on external funds from third parties. Through our innovation, we offer small investors the opportunity to invest in socially sustainable microcredit institutions. This benefits not only our future investors, but above all borrowers in the developing countries we are addressing.
Opening of the socially just financial market for small investors
We are the first platform where the topic of socially just investments is addressed at all. In addition, we have established objective criteria and committed ourselves to them in a self-binding manner. But our innovation does not stop here, but goes beyond that in that we measure not only the monetary success, but also the social impact in the target country.
Increased Security of our Bonds
Compared to other investment products, our innovation is that we have full insurance but can still offer economically interesting interest rates. These are currently at 4% p.a. with us, which is significantly above inflation and the products offered by banks.
Proven and verified Sustainability of financial Products
We are committed to participating in the following five bodies to ensure long-term sustainability. Each of these bodies sets out internationally recognized core values that individual members must implement.
- Coalition for Environmentally Responsible Economies (Ceres)
- Global Alliance for Banking on Values (GABV)
- European Microfinance Network (EMN)
- UN Sustainable Development Goals (SDGs)
- ESG Criteria
Currency Hedging
No matter where you invest with us, we have concluded a hedging for you. Thus, our company can offer here a service innovation that calculates and hedges predictable prices in any scenario, no matter what environmental condition prevails in the national financial market.
Efficiency & Cost Reduction
Not only do we offer our future investors an efficient investment opportunity with a sensible, balanced relationship between risk and profit opportunity, but we also take care to reduce our costs as much as possible. Thus, our bonds have the lowest ongoing management costs.
Participation of the Investors
In the course of this project, we not only stand for maximum
transparency towards investors, but also look forward to your
your active participation. Our company has set up its own
participation rights, which are also under the control of the supervisory board. We cordially invite you to take advantage of this unique opportunity and thus drive our vision forward with us.
"Our innovations are the defining Alliance with our Future."
- Johanna May, Sustainability Committee
