CUSTOMERS01
Building a financial ecosystem for the growth of wellbeing and support of entrepreneurship
- Financial inclusion and support of entrepreneurship
- Responsible lending and client protection
- Digital ethics and data security
ESG strategy
Responsible financing that stays fair, safe, and understandable for the people who use it.
We build responsible financing into everyday life: paying for things, renting, growing a business. That only works if people trust us. Our approach to sustainability starts with the customer and extends to our people, our data, and the environment around us.
Mission
Our sustainability mission
The Group’s sustainability mission is to foster the economic prosperity of entrepreneurship through the provision of responsible and technology-driven financial solutions, and to develop an inclusive mobility ecosystem that improves the quality of life of all our customers.
We provide equal access to capital and transport so that our customers can realize their potential effectively. The assets they acquire become a reliable foundation for growing their wellbeing, supporting sustainable development for society, employees, and the environment.
ESG goals
Our ESG goals
You can read more about each goal, sub-goal and focus area, as well as specific KPIs, in our Sustainability Policy (PDF; Russian version).
EMPLOYEES02
Human capital development and an inclusive environment
- Equality, diversity and fair remuneration (DEI)
- Investing in talent and developing local expertise
- Well-being & Safety
ENVIRONMENT03
Environmental responsibility
- Monitoring and transparency of climate impact
- Greening the office space and a culture of responsible consumption
SDGs
Sustainable Development Goals
We identify 9 priority and additional goals to which the Group makes the most significant contribution through its core business processes and social initiatives:
SDG 1: No poverty
The Group contributes to the growth of wellbeing by providing access to capital and financial instruments to those underserved by traditional banking services.
SDG 4: Quality education
The Group invests in developing the professional competencies of its team and improves the financial literacy of customers and the public through digital educational services.
SDG 5: Gender equality
The Group ensures equal career opportunities and fair pay, striving for balanced representation of women in leadership positions.
SDG 8: Decent work and economic growth
The Group supports job creation and economic growth by providing entrepreneurs with resources to develop their businesses, and ensures decent working conditions, fair pay, and opportunities for the continuous professional development of its employees.
SDG 9: Industry, innovation and infrastructure
The Group expands the access of small and medium-sized businesses to high-quality and convenient financial products and services using advanced technologies.
SDG 10: Reduced inequalities
The Group creates an inclusive environment by removing barriers to financing for various social and ethnic groups across all regions of operation.
SDG 13: Climate action
The Group implements a carbon footprint assessment system and increases the transparency of climate data, striving to minimize its environmental impact.
SDG 16: Peace, justice and strong institutions
The Group builds a transparent governance system based on client protection, algorithmic ethics, and zero tolerance for corruption.
SDG 17: Partnerships for the goals
The Group actively engages with international investors and government institutions to exchange experiences and adopt best ESG practices.
Our principles
The principles we follow
Below are the principles we follow and what they mean in practice.
Responsible Finance
The Group strives to create long-term value for its customers by adhering to the principle of prudence in lending and taking measures to prevent their excessive debt burden. We implement support mechanisms aimed at preserving the financial resilience of borrowers, maintaining a balance between economic success and social responsibility. Long-term customer trust is our priority asset and the foundation of sustainable business growth.
Ethics and Transparency
The Group is committed to conducting and promoting fair, open, and honest business practices, including ethical marketing and sales standards. We give top priority to information security, protection of customers’ personal data, anti-corruption, and prevention of financial crime. Our operations are based on the principle of zero tolerance for any form of corruption, transparency of financial flows, and the use of ethical, discrimination-free algorithms in decision-making.
Human Rights and Inclusion
The Group guarantees fair and equal treatment of all employees and customers, excluding any form of discrimination on the grounds of gender, age, nationality, race, religion, or other characteristics. We consistently develop an environment of diversity, equity, and inclusion, ensuring the protection of human rights at all stages of our operations. The Group strives to create equal opportunities for the professional growth of talent and to expand access to financial services for various groups of the population and businesses, promoting their social integration and wellbeing.
Environmental Stewardship
The Group is aware of its impact on the environment and strives to minimize it consistently. We integrate the principles of environmental responsibility into our business processes, promoting the rational use of resources, and supporting the transition to more sustainable mobility models in our regions of operation.
Responsible Corporate Governance and Compliance
The Group strictly complies with the legislation of the countries of operation and follows recognized international standards in risk management and information disclosure. We build a management system based on the principles of accountability, independence of decision-making, and transparency towards stakeholders. Our goal is to ensure sustainable operations and the investment attractiveness of the Group through the adoption of best corporate governance practices and strict adherence to internal compliance procedures.
Documents
Reports and policies
Our ESG reports, the Sustainability Policy and the signed Code of Ethics. All files are PDF.
Newsletter
Investor news, straight to your inbox
Results, bond issues and company updates from Yusr Group. A few emails a year, no spam.