Better Health for All

The company's core business is financing mobility solutions and consumer lending, primarily for subprime and underserved borrowers.

These financial products and services are not directly health-related, resulting in a neutral health impact. There is no evidence that the company's products or activities have well-established negative health outcomes. The company targets a risky segment of subprime and near-prime borrowers in 17 countries, focusing on financial inclusion and upward social mobility. It also participated in a Northern Ethiopia Community Safe Water project. The company uses country-specific credit scorecards and price-based underwriting, with adequate payment-to-income and loan-to-value ratios. Eleving Group provides annual health insurance and mandatory health checks for its employees. It also hosted a webinar on work-life balance and well-being to prevent employee burnout. The company protects customer, employee, and partner privacy, ensuring compliance with data protection laws. It also fosters financial literacy in society, aiming to run at least one campaign on informed financial decision-making in each market by 2025.

Fair Money & Economic Opportunity

Eleving Group's loan yield was 62% in 2023, indicating high effective interest rates for consumers, consistent with its operation as a high-cost lender.

Over 20% of the company's portfolio serves self-employed individuals and SMEs. A subsidiary, UAB "mogo LT", was fined EUR 90,000 for breaching consumer credit law. Eleving Group launched the smart.eleving.com financial literacy platform in 2022, which has been used by over 80,000 unique consumers for self-assessment, with a target to educate 500,000 consumers by 2025.

Fair Pay & Worker Respect

The company reported a safety incident rate (TRIR) of 1.95 per 200,000 hours, with no fatalities or high-consequence injuries.

The overall voluntary employee turnover rate is 15%. The company reported zero substantiated labor law or human rights violations and zero unaddressed whistleblower reports. All staff receive employer-funded health insurance.

Fair Trade & Ethical Sourcing

The company reported no substantiated forced or child labour incidents.

A Supplier Code of Conduct was introduced in 2023, but the percentage of suppliers whose contracts include enforceable ethical-sourcing clauses is not specified.

Kind to Animals

Eleving Group is a non-bank financial institution and fintech company focused on financial inclusion and mobility solutions.

Its core business involves providing financial services and does not entail activities such as product manufacturing, animal testing, animal agriculture, or the use of animal-derived ingredients. Therefore, all KPIs related to these activities are not applicable to the company's operations and are scored as 0 (N/A). While the company co-finances Great Rift Valley reforestation in Kenya and participates in the Northern Ethiopia Community Safe Water project, the provided articles do not offer measurable biodiversity impact, species recovery, or habitat restoration metrics required to score the 'wildlife_conservation_impact' KPI, leading to its omission.

No War, No Weapons

The provided articles do not contain specific, quantifiable evidence related to the company's involvement in or stance against war, weapons, or defense activities. Information regarding revenue from arms contracts, dual-use technology, sales to embargoed regimes, peacebuilding investment as a proportion of revenue, conflict divestment policies, board oversight of defense, export end-user certificates, lobbying on arms control, procurement humanitarian compliance, human rights due diligence frequency in conflict areas, Arms Trade Treaty declarations, AI military safeguards, UN Guiding Principles alignment, dual-use screening, surveillance transparency, ethical red lines specifically for weapons, exposure to controversial weapons, war-risk audit results, annual conflict partner reviews, defense divestment, conflict minerals, peace tech investment ratio, conflict zone procurement, or ethical red lines compliance rate is not explicitly stated or quantified in the provided text.

Therefore, no KPIs can be scored based on the given evidence.

Respect for Cultures & Communities

No specific, concrete data points regarding OT8.XETRA's respect for cultures and communities were found in the provided articles.

All articles explicitly state that they contain generic placeholder content and lack any relevant information or quantitative data for the company or the requested metrics.