We are a leading international provider of home credit in emerging markets
Resilient and successful business model
We operate in underserved emerging markets where demand for credit is growing.
Explore our business model
New market entry
We use a rigorous process of research and due diligence to evaluate new markets and calculate the right time to make our entry.
Our seven key viability tests
Operating in six countries
We operate in six countries
Poland, the Czech Republic, Slovakia,
Hungary, Mexico and Romania. We
also have a central office in Leeds,
UK.
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Stakeholder engagement
Consultation with our stakeholders is key to our success. Stakeholder roundtables have been well received, with participants impressed by the open and frank dialogue.
See what our stakeholders are saying
Robust investment
We offer a resilient business model; effective risk management; an experienced management team; a strong financial profile; and good profitable growth.
Find out about our investment proposition
Global Change Management Programme
Our five-part Global Change Management Programme is reshaping our business for the future.
Discover how
Responsible lending
Our agents made 100 million home visits in 2010. Their knowledge and judgement of a customer’s ability to repay a loan ensures we make responsible lending decisions.
See how we treat customers fairly