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Business Ethics

Our approach and our success are contingent upon adhering to certain principles that form the basis of our business activities and our decisions.
We want to make a difference- through the target groups that we serve, through the quality of our financial services, and through the business ethics upon which we base our actions. Our corporate values form the foundation of our business ethics. The following principles guide the operations of the ProCredit institutions:

Transparency: We provide transparent information to our customers, to the general public and to our employees.
For example, we ensure that customers fully understand the terms of the contracts they conclude with us, and we engage in financial education in order to raise public awareness of the dangers of in transparent financial offers.

A culture of open communication: We communicate openly, fairly and constructively with each other. We deal with conflicts at work in a professional manner, working together to find solutions.

Social responsibility and tolerance: We offer our clients sound, well-founded advice. Before offering loans to our clients, we assess their economic and financial situation, their business potential and their repayment capacity in order to avoid over-indebtedness and to provide appropriate financial services. In addition, we are committed to treating all customers and employees with fairness and respect, regardless of their origin, colour, language, gender or religious beliefs.
We also ensure that requests for loans are evaluated in terms of the applicant’s compliance with our ethical business practices. No loans are issued to enterprises or individuals if it is suspected that they are making use of unsafe, environmentally harmful or morally objectionable forms of labor, in particular child labor.

High professional standards: Our employees take personal responsibility for the quality of their work and always strive to grow as professionals.

Personal integrity and commitment: Complete honesty is required of all employees in the ProCredit group at all times, and any breaches of this principle are swiftly and rigorously dealt with.

These principles represent the backbone of our corporate culture and are actively applied in our day-to-day operations. They are reflected in the ProCredit Code of Conduct, which translates the group’s principles into practical guidelines for our staff.


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