Arifmetika pays attention to ESG principles while managing the company. We are just at the beginning of creating an effective system of managing ESG factors.

Responsible lending

While dealing with clients, the company follows the principles of responsible lending.

  1. We disclose the full information about the product and the terms of its use enabling the client to make reasonable decision.
  2. We provide information on products in loan supply points and on our web-site increasing the level of financial literacy of our clients.
  3. We follow the principles  of ethnic attitude towards clients in financial hardship.
  4. We inform our clients about overdue payments not outsourcing this function to debt collection agencies and use customized approach.
  5. We without delay consider all the requests from our clients and promptly solve all the issues.


In 2020, Arifmetika launched a program in the field of corporate social responsibility. Part of the program is a paper reduction project. Due to the implementation of a simple electronic signature mechanism for customers last year, the company improved interaction with borrowers, improved the quality of service and significantly reduced paper costs. For the year, Arifmetika managed to save about 7 million pages of paper, which would be required when printing contracts. This is equivalent to 34,751 kg.

The concept of "paperless contracts" is a modern technological trend in the microfinance market, and the procedure for electronic signing of documents makes it possible to simplify the process for all parties involved. Therefore, the company not only reduces the time for signing documents, but also makes a significant contribution to caring for the environment, refusing paper.

Social responsibility

We cooperate with leading universities enrolling students for internship.

We are the members of the key professional associations taking part in Russian MFO market development.

We participate in the key professional conferences and forums sharing our experience and best practices with other market players.


50% of top-management and 70% of line managers are women.

ifferent nationalities and ethnic groups have representation in the staff.

The company pays attention to support of local communities. Most of the staff is recruited from them.