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At the Muninova Group, we are committed to advancing social contribution initiatives as a responsible corporate citizen, guided by the belief that “there is always something we can do for our customers and for society.”
To support the education of young adults
Sponsoring hackathons
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Since March 2019, we have begun sponsoring hackathons to enhance the relationship with society and local communities, which is one of the activities that embody our management philosophy, "Earn the trust of society through corporate activity based in integrity."
The “a i ” of “a i h a c k” has two meanings: "show interest = love" for students who will lead the future and human resources in various specialized fields, and "AI" that reminds of technology.
We sponsored a hackathon program for university students at AIFUL, LIFECARD and AIRA & AIFUL, a group company in Thailand. Through this event, we hope to contribute to the development of local economic activity and retail finance, as well as to the achievement of the 17 Sustainable Development Goals (SDGs).
“Hackathon” is a term coined from “hack” and “marathon.” In one event, teams of computer programmers compete with each other by intensively devising programs and services over a given period of time on a given theme.
Seminar for financial education
The Muninova Group is working to improve the financial literacy of young adults and prevent them from financial troubles, such as holding financial and economic education seminars at universities and other educational institutions.
In June 2023, the Japan Financial Services Association and four major money lending companies, including our company, established the Financial Literacy Improvement Consortium based on the belief that the money lending industry needs to unite to address financial crimes that are becoming increasingly sophisticated and complex, such as entrepreneurial, side job, part-time job scams and investment fraud targeting young adults.
＜Please click here for FLIC (In Japanese).＞
Supporting Sustainable Growth Through Finance
Contribution to Improving Health and Building A Sustainable Society Through Pet Insurance
FPC operates a small-amount, short-term insurance business (pet insurance), aiming to help maintain pet health and ensure a safe and secure daily life for pets and their owners. As more families welcome pets as beloved members of the family, the relationship between people and animals is undergoing a significant transformation. In response to this societal shift, FPC strives to build social infrastructure that supports veterinary care through its pet insurance offerings. By providing financial protection against pet illnesses and injuries, we help improve the quality of life for pet owners and contribute to creating a society where pets and people can live together in peace and security.
Revitalizing Local Communities Through Credit Guarantee Business
We support local small and medium-sized businesses, as well as sole proprietors, in securing funds by collaborating with regional financial institutions such as local banks and credit unions and providing them with the
AIFUL Group’s credit expertise. As of the end of March 2025, we are collaborating with 222 financial institutions nationwide.
Support of Medical and Health Care Industry Through Medical Fee Secured Loans
AG Medical provides businesses in the medical and nursing care sectors with loans for working capital and other purposes, along with planned repayment schemes. Through our support in funds, we are supporting the development of the medical and health care industry in Japan, where the aging population is growing.
Promote Innovation Through Venture Capital and Sustainable Growth
AG Capital established its 1st fund in 1986 with the purpose of providing investment
opportunities to mid-sized companies and venture companies with high potential in growth.
Since then, we have launched 21 funds, with a cumulative investment amount exceeding
￥50 billion, supporting the growth of numerous companies. We not only provide funds but also actively support companies in solving problems, creating value, and building sustainable business models by leveraging management expertise and our extensive network.
Social Contribution Through Credit Cards
LIFECARD issues socially responsible credit cards and donates a portion of the revenue to
partner organizations. Through our donations, we support the “Dream Realization” initiative, which helps children with serious illnesses, and also assist in protecting endangered wild animals
Industry First: Social Finance Framework
The Muninova Group is working on product development based on the concept of financial inclusion, contributing to society by supporting companies taking on new challenges, and businesses in medical and welfare fields, and providing access to financial services in emerging countries experiencing a shortage of financial infrastructures. Since such initiatives will be further accelerated in the future, we have made a social finance framework for the first time in the consumer finance industry, and obtained loans through social bonds and social loans. Funds raised through social bonds and social loans will be allocated via group companies to new expenditures or the refinancing of the eligible social projects listed below.
※For further details, please refer to our ESG finance initiatives.
Social Contribution Overseas
Initiatives of the local corporation, AIRA & AIFUL Public Company Limited
AIRA & AIFUL Public Company Limited (Thailand) places importance on coexisting with
the local community and carries out various CSR activities that help solve local issues.
With actions such as education support, support for children with disabilities, and making
efforts on environmental conservation, we contribute to building a sustainable society.
- ● Supporting children with disabilities through art
As part of the “Colors of Hope and Smiles”project, employees visited Camillian Home,
a facility for children with disabilities in Lat Krabang, Bangkok, and held a painting
workshop with them. We help improve learning opportunities and quality of life by fostering creativity and expressiveness, and by providing meal support and educational scholarships.
- ● Support for environment and education by recycling
Now in its fourth year, the “A money × Teijin Buddy” project turns plastic bottles into
T-shirts for children and also conducts awareness-raising activities and recycling education in local schools. We also run the “A money × PPB Buddy” project, which upcycles plastic bottle caps into household goods.
- ● Aiming to eliminate disparities in educational opportunities
In 2024, 200 computers were donated to Wat Sa Kaeo School in Ang Thong Province,
Thailand, which is attended by orphans and children from impoverished families.
This was the largest number of computers ever donated to the school, greatly expanding opportunities for ICT education.
Community-Based Initiatives
Hosting the “Muninova Artist Award,” an Open-call Art Competition
This competition is open to to participants from junior high school students and above and aims to discover and showcase emerging artists from across Japan, while contributing to the development of individuals who will shape the next generation of arts and culture.
Award-winning works will be exhibited at the Annex of the Kyoto City Museum of Art, creating opportunities for the public to engage with art and fostering the revitalization of the local art scene.
Volunteer activities by employees
Volunteer leave program
Muninova Group introduced a volunteer leave program in 2007 to support employees’ voluntary social contribution activities, such as community service and disaster relief activities.
Other social contribution activities
Blood donation drives
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Muninova Group regularly conducts blood donation drives for employees in response to requests from the Japanese Red Cross Society to cooperate in their efforts to secure a stable blood supply against the background of an aging and shrinking population.
On November 25, 2020, we received an award from the Kyoto Blood Donation Promotion Council.
Cleanup activities
Muninova Group carries out cleanup activities on a daily basis around its head office (Kyoto city) and Contact Center (Kusatsu city, Shiga prefecture) to contribute to keeping the environment of the surrounding areas clean.
Installation of AEDs and emergency first aid courses
To prepare for emergency situations, Muninova Group has installed AEDs (automatic external defibrillators) at its head office (Kyoto city), Tokyo office (Minato ward, Tokyo), and Contact Center (Kusatsu city, Shiga prefecture) for its employees, visiting customers, and local residents. We also offer courses on emergency first aid to our employees.
Donations following large-scale disasters
AIFUL makes donations to the Japanese Red Cross Society to support the victims of disasters and assist in the restoration of affected areas such as 2020 Kyushu floods,Support money for the spread of new coronavirus infection,Hokkaido Eastern Iburi Earthquake
