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Material Issues (Materiality) We Will Tackle Through Our Business Activities

We are implementing initiatives for the realization of a sustainable society through our business activities.

Material Issues (Materiality) We Will Tackle Through Our Business Activities

The Formation of a Sound Consumer Finance Market

We aim to help maintain and expand a sound consumer finance market through activities such as financial economic education programs to help people acquire accurate knowledge of money matters and enable them to make appropriate decisions.

Financial Education Programs

We are working to make financial economic education more widespread, so that local residents and students who are the future leaders of society will be able to acquire accurate knowledge of money matters and make appropriate decisions.

Seminar at a university
Seminar at a university
Lecture at an elementary school
Lecture at an elementary school
Seminar for high school students
Seminar for high school students

Since 2011, PROMISE financial and economic educational seminars have been held to improve the financial literacy of students holding the key to the future and members of the community, primarily at our customer service plazas located throughout Japan. Over 1.08 million people nationwide have taken part in the seminars to date. (Total number of seminar attendees as of December 31,2020) Since 2020, in addition to visiting schools and companies to conduct lectures at their request, we have also been using web conferencing systems to hold live interactive seminars.

Setting loan limits reflecting customer's

We endeavor to set loan limits not simply to comply with the Money Lending Business Act and other laws and regulations, but rather to ensure that customers do not overstretch themselves with their repayments. We determine an appropriate loan amount based on the loan amount calculated by our independently developed Automated Credit Provision System and the judgment of loan managers.

Screening at Customer Service Center
Screening at Customer Service Center

Making it easy for customers to seek advice

To relieve customer's money concerns, we offer a range of related services, including advice on borrowing, repayments and other financial matters, referring customers to specialists depending on their circumstances, and providing support with family budget diagnosis.

Initiatives to improve service with a commitment to the customer-first approach

For fiscal 2020, we have adopted the basic policy of “striving to earn and improve customer loyalty by steadfastly pursuing CX” to exceed customer expectations, and are committed to strengthening CX initiatives through concerted company-wide efforts to promote effective CS and CX activities.

Transformation from customer satisfaction into activities that create emotional experiences for customers

As for initiatives to improve services that pursue the customer-first approach, since January 2015 we have listed ideas, initiatives and customer feedback leading to CS and CX improvements in our web-based internal newsletter.
For the proposals developed based on the customer feedback employees field from customers, related departments coordinate to consider improvements in an effort to improve service. By sharing regular customer feedback across the company including with top management, we develop a feel for the immediate priorities of customers, and to exceed their expectations we consider the role of customer service and work to respond promptly.

Since 2011, PROMISE financial and economic educational seminars have been held to improve the financial literacy of students holding the key to the future and members of the community, primarily at our customer service plazas located throughout Japan. Over 1.02 million people nationwide have taken part in the seminars to date. (Total number of seminar attendees as of September 30, 2020)
Since 2020, in addition to visiting schools and companies to conduct lectures at their request, we have also been using web conferencing systems to hold live interactive seminars.

The Realization of a Lively Society and a Happy and Healthy Lifestyle for People

As members of society, SMBC Consumer Finance and all its employees participate in activities to brighten up people's lives.

Coexisting with regional communities

Our Customer Service Plazas act as centers for regional communication. We make a positive contribution to life in the regions in which we do business and help revitalize them by actively engaging regional communities, listening to their needs, and working together with the people that live in these communities.

Booth at a local festival

CSR Activities

Yakusoku-no-Mori matching gift program

The internal fund-raising system Yakusoku-no-Mori* has been set up as a scheme that allows employees to think about and participate in contributing to society in a more familiar way. Through the scheme, we provide support for children's welfare facilities (Japan National Council of Children's Homes), children's self-reliance living assistance services (National Council of Self-Reliance Support Homes) and projects to raise hearing dogs (The Japan Hearing Dogs for Deaf People).
We have also installed donation-oriented vending machines in the company that use a portion of proceeds to support Japan Hearing Dogs for Deaf People as part of ongoing support activities.

* Matching donation scheme where employees determine the destination and monthly amount of donations.

Donation by Yakusoku-no-Mori (FY2019)

Project Cumulative total
Foster home promotion services 1,355,280 Yen
Children's Independent Living Support Project 1,100,720 Yen
The Hearing Assistance Dog Training Project 1,700,323 Yen

Introduction of the TABLE FOR TWO program

At the employee cafeteria in our head office building, we have introduced TABLE FOR TWO (“TFT”), a social contribution activity made in 20-yen increments. Each time an employee pays an extra 20 yen on top of an employee cafeteria purchase, that amount pays for one school lunch donated to children in developing countries through the NPO TABLE FOR TWO International. The TFT program has also been introduced at SMBC Group companies.

Table For two???

Assistance for areas affected by large-scale disasters

We implement measures to help victims of large-scale disasters, such as the Great East Japan Earthquake, the 2016 Kumamoto Earthquakes and the torrential rain in July 2018, feel less anxious about the future. For example, we provide loan repayment assistance, reviewing the repayment term or reducing or waiving the principal and/or interest based on the individual circumstances of victims, and also provide interest-free “support loans” for a fixed period until victims are able to rebuild their lives.

Sponsored Activities

We also devote our efforts to sponsoring educational and cultural activities and events, driven by our desire to help create a vibrant society in which people can enjoy happy and healthy lives.

Educational and cultural activities

The Promise Essay Contest (sponsored by The Sankei Shimbun and co-sponsored by SMBC Consumer Finance), was started in 1996 based on the concept of taking another look at the importance of human relationships in modern society and life once again to rediscover the importance of promises. The contest celebrated the 24th anniversary in 2018. In recent years many junior high and high school students have applied for the contest, indicating that it has become widely established at schools as part of their Japanese language education and programs to improve students essay-writing skills.

The Promise Essay Contest

The Promise Essay Contest

Sports and Events

In an effort to achieve regional revitalization through cooperation in events and sports promotion and a boost for young people who will forge the future, we are sponsoring table tennis competitions where Japanese athletes have performed well in recent years. We also sponsor Kawasaki Frontale, a professional soccer team.

Promoting Earth-friendly Environmental Activities

As a member of the SMBC Group, SMBC Consumer Finance aims to help preserve the global environment by instilling a strong environmental awareness among its employees, and promoting environmentally friendly activities.

Learn more about the environmental preservation activities of SMBC GroupNew Window will open

Environmental Policy

As part of SMBC Group, the company will aim to ensure that its individual employees have a high level of environmental awareness, and will contribute to the realization of a sustainable society.

  1. The company promises to proceed with business activities by taking into account effects on the environment.
  2. The company is aware of environmental risks and will fulfill its social responsibility through initiatives such as saving resources, conserving energy, reducing waste and preventing pollution, based on compliance with environment-related laws, ordinances and regulations, etc.
  3. The company will aim to continuously improve its environment management system by making tangible the above-mentioned Policy, configuring environmental targets in each fiscal year, and conducting periodic reviews.
  4. The company will make efforts to ensure that all employees understand the Policy and take part in in-house training.
  5. The company will also disclose the Policy outside the company through official announcements on the company homepage, etc.

April 1, 2021
Ryohei Kaneko
President and Representative Director
SMBC Consumer Finance Co., Ltd.

Environmental Policy (PDF: 79KB)PDF file will be opened.

Promoting digitalization and switching to LED lighting at branches

SMBC Consumer Finance works to improve customer convenience and reduce the use of paper resources by promoting digitalization (online account summary and card-less transactions by App Loan). We also undertake earth-conscious business activities by phasing in LED lighting when we open new branches and refurbish existing branches to save energy in-house.

Promoting digitalization
Promoting digitalization
Switching to LED lighting at branches
Switching to LED lighting at branches

Regional Beautification Initiatives

Our employees actively participate in activities to beautify the areas around each of our business units.

Cleaning up area around center
Cleaning up area around center
Cleaning up area around Head Office
Cleaning up area around Head Office
Love Earth Clean Up (Fukuoka)
Love Earth Clean Up (Fukuoka)

Promoting eco rules

We have established eco rules to realize sustainable society so that each employee is practicing an approach to energy saving and resource saving.

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