Sustainability at Sambla Group: Our Approach and Principles

At Sambla Group, we consider sustainability as a fundamental aspect of our business, and our loan broker services reflect this commitment. Our vision is to improve everyday life by democratizing lending – meaning that we empower individuals to manage their finances while ensuring access to essential financial services. Our primary objective is to support and actively contribute to sustainable development in society as a whole. We aim to establish ourselves as the industry leader in implementing sustainable business practices, serving as a benchmark for others to follow.

Our overall sustainability efforts are rooted in the principles outlined by the United Nations (UN) Global Compact, encompassing human rights, labor rights, environmental responsibility, and anti-corruption measures. In addition to adhering to these principles, we have identified several United Nations Sustainable Development Goals (SDGs) within Agenda 2030 that align with our mission and where we believe we can make a significant contribution.

Among the SDGs, three examples of areas where we actively engage and work towards achieving are:

  1. SDG 5: Gender Equality: We are committed to fostering gender equality and empowerment, promoting equal opportunities and inclusion for all genders within our organization and beyond.

  2. SDG 8: Decent Work and Economic Growth: We strive to create an environment that promotes decent work conditions, fair employment practices, and sustainable economic growth. Our aim is to contribute to job creation, entrepreneurship, and economic opportunities for individuals and communities.

  3. SDG 9: Industry, Innovation, and Infrastructure: We recognize the importance of sustainable industries, innovation, and resilient infrastructure in driving positive change. We actively seek to incorporate sustainable practices, technological advancements, and infrastructure development to support social and economic progress.

To enhance the effectiveness of our sustainability initiatives, we have prioritized our efforts across three key areas: Environmental, Social, and Governance (ESG). Within each of these areas, we have established guiding principles that shape our approach:

Environmental Principles

Recognizing climate change as a pressing global challenge, we are fully committed to taking extensive measures to minimize our environmental and climate impacts. Our carbon footprint primarily stems from energy consumption in our offices and business travel. In order to address our environmental responsibilities, we are proactively spearheading several key activities.

  1. Carbon Footprint: We measure our carbon footprint and energy consumption and take actions to reduce our impact.

  2. Energy Consumption: We prioritize the use of renewable energy sources and adopt energy-saving methods whenever possible. We also educate our employees on best practices.

  3. Office Management: We integrate resource efficiency and sustainable waste management into our daily business practices.

Social Principles

Our core business revolves around empowering individuals to have greater control over their personal finances. We strive to provide people with the tools and knowledge to make informed decisions about their personal finances. Through our services, we aim to enhance individuals' ability to manage their money effectively.

  1. Financial Inclusion: This refers to the accessibility and availability of financial services to all individuals, particularly those who are marginalized or excluded from the traditional banking system. It means empowering people by providing them with the tools and opportunities to manage their finances, save money, access credit, and participate in economic activities. We believe that financial products and services should be accessible and affordable for all.

  2. Responsible Lending: We always act in the best interests of our customers, ensuring affordability and full transparency. This means providing consumer loan comparisons in a transparent and ethical manner, taking into account their financial capacity. It involves conducting thorough assessments of borrowers' ability to repay the loan, providing clear and accurate information about the loan terms from our partners, and promoting responsible borrowing behavior.

  3. Corporate Citizenship: We actively engage with and support the communities in which we operate.

Our employees are our most valuable resource therefor we put great effort into creating a sustainable workplace where they can feel safe and have the opportunity to reach their full potential.

  1. Employee engagement: We empower our employees to drive positive change through active involvement, continuous education, and recognition.

  2. Responsible Employer: Upholding the labor rights of our employees and providing a safe and fair working environment are our top priorities.

  3. Diversity and Inclusion: We foster an inclusive culture that values and embraces unique perspectives and ideas.

Governance Principles

As a leading comparison platform for consumer loans, we know that trust is crucial to our business. We uphold the highest standards of integrity, not only for ourselves but also for our suppliers and business partners. Our commitment to ethical business practices, accountability, and trustworthiness is guided by our Supplier Code of Conduct as well as our policies on Anti-bribery and Corruption, Conflict of Interest, and Money Laundering.

  1. Data Protection and Privacy: We are committed to ensuring the confidentiality and integrity of all personal and sensitive information.

  2. Sales and Marketing Methods: We prioritize lawful and transparent marketing practices that build customer trust and respect their integrity.

  3. Business Conduct: Ethical behavior is a fundamental value that guides our operations and defines our corporate culture.

  4. Speak Up: We have a whistle blower function and encourage and support whistleblowing in situations involving reasonably suspected unethical or illegal activities.

  5. Reporting and Accountability: We maintain transparency by regularly reporting on our ESG impact, sustainability practices, and progress.

  6. Third-Party Standards: We have a supplier code of conduct and hold our partners and suppliers to high ESG standards, including sustainability, ethics, and fair labor practices.

By adhering to these ESG principles and continually striving to improve, we aim to make a positive and lasting impact on people, the environment, and society as a whole.