Before you start sqlloader run
chcp 65001
set NLS_LANG=.AL32UTF8
chcp 65001 sets codepage of your cmd.exe to UTF-8 (which is inherited by sqlloader and sqlplus)
- With
set NLS_LANG=.AL32UTF8 you tell the Oracle database "The client uses UTF-8"
Without these commands you would have this situation (due to defaults)
chcp 850
set NLS_LANG=AMERICAN_AMERICA.US7ASCII
Maybe on your PC you have codepage 437 instead of 850, it depends whether your PC is U.S. or Europe, see National Language Support (NLS) API Reference, column OEM codepage
You can set NLS_LANG also as Environment Variable in PC settings or you can define it in Registry at HKLM\SOFTWARE\Wow6432Node\ORACLE\KEY_%ORACLE_HOME_NAME%\NLS_LANG (for 32 bit), resp. HKLM\SOFTWARE\ORACLE\KEY_%ORACLE_HOME_NAME%\NLS_LANG
You can also change codepage of your cmd.ext persistent, see https://stackoverflow.com/a/33475373/3027266
For details about NLS_LANG see https://stackoverflow.com/a/33790600/3027266