Community Investment

Our aspiration for the next decade is to be a company that is more than ever recognized by its stakeholders for its significance in society. We understand that being indispensable to the local community is vital to our business's sustainability. To achieve this, we are committed to developing and providing market-oriented products and services and enhancing our brand image by actively contributing to the local communities.

Our financial settlement services are lifelines in daily lives and an essential tool in working lives for our stakeholders. Recently, however, financial crimes targeting young people, such as those who have reached adulthood, have become rampant. For us, the healthy growth of the irreplaceable next generation, our future customers, is essential for the sustainable enhancement of our corporate value. Therefore, we have made support for the next generation a priority area.

Participation in social contribution initiatives as a community member is an essential opportunity for us and our employees to learn from the community and develop and provide market-oriented products and services that the community will always need. It is also an essential part of our business strategy as we can expect a return on our investment in improving our brand image.

We are committed to revitalizing local economies, creating jobs, and local employment, as well as developing our business partners, including member merchants, alliance partners, contractors, and suppliers of goods and services. We have offices in all 47 prefectures of Japan, bringing our total number of offices to 106. We have three overseas group companies in Thailand, the Philippines, and Indonesia. We make significant contributions to job creation and local employment in Japan and abroad. We believe that our “contributing to sustainable community development" efforts are also crucial as activities that lead to job creation, local employment, and local revitalization.

As part of our commitment to social responsibility, we are actively involved in various initiatives to strengthen our relationships with local communities.

At our head office and its annex, we regularly conduct in-house sales events in partnership with organizations dedicated to supporting employment for individuals with disabilities. We facilitate the sale of products to our employees and local residents, aiming to raise awareness about our partnering organizations' activities while fostering community engagement within the local society. Since October 2020, we have been introducing these organizations' online shops to our employees and hosting sales events. We remain committed to undertaking initiatives that further support employment opportunities for individuals with disabilities.

As efforts toward development of the next generation, we are taking initiatives through financial education, culture and art.

In initiatives on financial education and industry-academia collaboration, we are taking finance-related various education and awareness activities in collaboration with parties such as municipalities and various organizations. Specifically, we have contributed to enhancing financial literacy of customers through actions such as initiatives toward next-generation education, public lectures toward prevention of multiple debts, and disclosure of content for new adults on a website.

Social Bonds are bonds issued to raise funds to solve social issues in accordance with the definition of the Social Bond Principles* established by the International Capital Market Association (ICMA).

As a third-party evaluation of the eligibility of this Social Bond, we obtained a rating of "Social1", the highest rating in the "JCR Green Bond Evaluation", from Japan Credit Rating Agency, Ltd.

In April 2012, we established the "Orico Group Social Contribution Fund," a fundraising mechanism to encourage our employees' social contribution activities. Employees can contribute as little as 100 yen per share, with the company matching each donation by adding an extra 100 yen for each participating employee. The collected funds are then donated to welfare organizations and regions affected by large-scale disasters through the "Orico Group Social Contribution Fund."

Moreover, to commemorate our 60th anniversary, we initiated a social contribution program in 2014 that today continues to introduce volunteer activities to all employees. Named the "Orico One Step Program," the initiative aims to transform the consideration of social contributions into action meant to benefit the community. Employees can sign up for activities of their interest, such as environmental conservation or disability support, through a dedicated website that lists such opportunities. These activities provide a sense of satisfaction and create awareness about societal needs, fostering personal growth. We have also introduced a volunteer leave policy to support employees willing to engage in long-term volunteer activities.