ESG
For PlusPlus, sustainability is an integral part of company’s operations and interaction with financing partners and other stakeholders.
Plusplus principles of sustainable development
- We develop sustainable services so that clients can be reintegrated successfully into the financial services ecosystem.
- We carry out all aspects of client relationship transparently and respectfully.
- We strive to improve our ability to provide smooth transformation from debt to client relationship based on a mutually beneficial payment solution.
- We use innovative IT systems and digital services to find individual solutions to each client.
- We regularly analyse and are aware of the impact of our activities from economical, societal and environmental perspective.
- We use resources in a sustainable manner.
- We operate in compliance with legislations, internationally accepted industry good practice rules and sustainability principles.
- We operate in an open and transparent manner and give information about our sustainable development steps to stakeholders.
- We consistently and sustainably develop our management practices, processes and internal systems.
Sustainable
development
goals
We have chosen UN Sustainable Development Goals (sdgs) as the basis for developing plusplus sustainable development framework.
This is an internationally accepted methodology based on which each company can set their sustainability targets, regardless of their industry. We have chosen nine development goals through which plusplus can have the most significant impact.
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No poverty
… all people, in particular the poor and the vulnerable, should have equal rights to economic resources, access to financial services, also possibility to increase their resilience
Good health and wellbeing
... promote mental health and well-being of employees
Quality education
... increase people's knowledge and skills to better manage their financial responsibilities, thereby increasing their ability to cope and participate successfully in working life
Gender equality
… to help ensure that everyone has equal access to financial services. Also ensure professional development and equal opportunities for employees regardless of gender and age
Reduce inequalities
... to contribute to the improvement of financial regulations and legislation to ensure dignified and equal treatment of people in temporary financial difficulties
Climate action
... operate in an environmentally sound manner, prevent and mitigate the impacts of environmental and climate change.
Peace, justice and strong institutions
... ensure equal legal protection for all through compliance and improvement of the law
Good health and wellbeing
... promote mental health and well-being of employees
Quality education
... increase people's knowledge and skills to better manage their financial responsibilities, thereby increasing their ability to cope and participate successfully in working life
Decent work and economic growth
… ensure the sustainable business growth so that financial services are accessible to all
Reduce inequalities
... to contribute to the improvement of financial regulations and legislation to ensure dignified and equal treatment of people in temporary financial difficulties
Climate action
... operate in an environmentally sound manner, prevent and mitigate the impacts of environmental and climate change.
Partnership for goals
... cooperate actively with the public and private sectors to develop a socially acceptable framework for helping people in temporary financial difficulties
Peace, justice and strong institutions
... ensure equal legal protection for all through compliance and improvement of the law
Quality education
... increase people's knowledge and skills to better manage their financial responsibilities, thereby increasing their ability to cope and participate successfully in working life
Reduce inequalities
... to contribute to the improvement of financial regulations and legislation to ensure dignified and equal treatment of people in temporary financial difficulties
Partnership for goals
... cooperate actively with the public and private sectors to develop a socially acceptable framework for helping people in temporary financial difficulties
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ESG principles
Plusplus has developed a comprehensive approach towards its sustainable development and an action plan for the upcoming years. This was done in order to ensure our contribution towards achieving UN sdgs, taking into account ESG principles and criteria.
LOREM IPSUM DOLOR
Under the Environment category, the company aims to reduce the environmental and climate impact of its day-to-day operations. As the business process and office activities cause the majority of the company’s environmental impact, we decided to pay more attention to the use of resources in our processes, office operations and the behaviour of employees.
Our goal
Inclusive customer experience
- personal communication, active listening, empathy
- respectful client relationship
- customized payment plans to regain the control over finances
- digital services
| KPI | 2020 | 2021 |
|---|---|---|
| Energy consumption (kwh) | 56 | 69 |
| Energy consumption per employee (kwh/ per employee) | 18 | 26 |
| Paper usage (pages) | 24 | 24 |
| Paper usage per employee (pages/per employee) | 24 | 24 |
| Share of digitally signed client agreements (%) | 24 | 24 |
| Share of plusplus Baltic clients paying through self-service (%) | 24 | 24 |
PART OF FINANCIAL SERVICES ECOSYSTEM
On a daily basis, plusplus comes across with people in financial difficulties. Approximately 15% of the labour force has its access to financial services restricted due to indebtedness.
Therefore, plusplus sees the biggest opportunity for societal impact in ensuring that each customer is seen as an individual – they deserve individual assessment and option to be reintegrated into financial services ecosystem.
Our goal
Everybody is a part of financial ecosystem
- understanding disadvantaged people, dignified problem solving
- contributing into ability to cope by improving the knowledge
- public communication that supports the dignified treatment of people in difficulty
- reduction of stigmatization
- partnership to promote socially acceptable framework for assisting people in temporary financial difficulties
| KPI | 2020 | 2021 |
|---|---|---|
| Number of claims paid in full (pcs) | 6257 | 7778 |
PLUSPLUS AS EMPLOYER
A well-functioning and competent team is key to achieving sustainable development.
Our goal
Supportive working environment
- development of professional competence
- promoting mental health and well-being
- healthy and safe working conditions
equal opportunities - compliance with labor and health & safety legislation
| KPI | 2020 | 2021 |
|---|---|---|
| Total employees | 56 | 69 |
| Proportion of female/male employees (no) | 18 | 26 |
| Age group under 30 y (%) | 24 | 24 |
| Age group 30 – 40 y (%) | 24 | 24 |
| Age group 41 – 50 y (%) | 24 | 24 |
| Age group over 50 y (%) | 24 | 24 |
| Length of the service under 3 y | 24 | 24 |
| Length of the service 3 – 5 y | 24 | 24 |
| Length of the service 6 – 10 y | 24 | 24 |
| Length of the service over 10 y | 24 | 24 |
| Number of work accidents | 24 | 24 |
CLIENT RELATIONS
Good customer experience is the foundation for company’s sustainable development and growth. We see modern and easy to use digital solutions as one of the key aspects of good customer experience, at the same time always being open and keeping the balance of digital and person-to-person interaction.
Our goal
Good corporate governance
- sustainable growth and profitability
- balance of automated and non-automated processes
- ensuring compliance with all regulations
- effective management system and certification schemes
- participation in developing legal framework
| KPI | 2020 | 2021 |
|---|---|---|
| Share of digitally signed client agreements (%) | 56 | 69 |
| Share of plusplus Baltic clients paying through self-service (%) | 18 | 26 |
| No of plusplus Baltic different payment solutions | 24 | 24 |
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