Responsibility

Our impact in 2021

Benefits for stakeholders

Stakeholders	Impact in 2021
Clients and prospects Financial inclusion. Empowering women. Socioeconomic progress. Client protection principle.	979.8m Total loans disbursed 91% SP14 5.5% Client Economic Yield (‘CEY’) 96.2% Female clients
Colleagues Job creation. Training and development.	13,033 Colleagues based in Bangladesh, Asia & Africa 85% Employee satisfaction 42,907 Hours training
Communities Clients trading in the community. Community projects.	0.4m Community project spend 79 Branches added
Regulators and industry bodies Sustainable lending environment.	Through membership at industry bodies and central banks, contributing to a sustainable microfinance environment.
Shareholders Long-term attractive USD returns. Advanced financial inclusion.	Nil Dividend In light of the Company’s financial results, the Board has decided not to pay a dividend for 2021.

Stakeholders

Impact in 2021

Clients and prospects

Financial inclusion.
Empowering women.
Socioeconomic progress.
Client protection principle.

979.8m

Total loans disbursed

91%

SP14

5.5%

Client Economic Yield (‘CEY’)

96.2%

Female clients

Colleagues

Job creation.
Training and development.

13,033

Colleagues based in Bangladesh, Asia & Africa

85%

Employee satisfaction

42,907

Hours training

Communities

Clients trading in the community.
Community projects.

0.4m

Community project spend

79

Branches added

Regulators and industry bodies

Sustainable lending environment.

Through membership at industry bodies and central banks, contributing to a sustainable microfinance environment.

Shareholders

Long-term attractive USD returns.
Advanced financial inclusion.

Nil Dividend

In light of the Company’s financial results, the Board has decided not to pay a dividend for 2021.

UN Sustainable Development Goals (‘SDGs’)

Through our responsible business model, we are actively supporting the UN’s sustainable development agenda, working towards the following SDGs.

SDG 1 - No Poverty

The Company is committed to making an important social impact being a microfinance institution, providing socially responsible financial services, such as loans, targeted at predominantly low-income female, small business owners. The Company is driven by advancing financial inclusion, by expanding female low-income micro-entrepreneurs, with little or no access to formalised credit resources, increasing self-employment opportunities, and thereby, alleviating poverty.

SDG 5 - Gender Equality

As women generally have good loan repayment behaviour and money management, the Group is convinced that by empowering women through business loans, the Group enhances these women’s independence and decision-making stature at home and in their communities. Additionally, the Company is committed to providing gender-neutral opportunities for employment and promotion.

SDG 8 - Decent work and Economic Growth

The Company provides socially responsible employment opportunities to employees and services to its clients. The increased earnings of the Group’s clients are used to expand their businesses. Many clients buy and sell goods and the increased trading activity boosts the local economy.

SDG 9 - Industry, Innovation and Infrastructure

The Company supports industry, innovation and infrastructure by increasing the access of small-scale enterprises to financial services and through the establishment of an extensive branch network and operations across thirteen countries.

SDG 10 - Reduced inequalities

By providing working capital loans to women, the Group encourages the use of disposable income for the fundamental needs of the household, such as education, health, nutrition, sanitation and housing, which drive economic development. All these activities lead to more socioeconomic progress in communities of operation in Asia and Africa.