ESG Score - MNT-Halan
2026
MNT-Halan is the group company for Egypt’s largest and fastest growing lender to the unbanked, connecting consumers, vendors and micro-enterprises through its consumer facing app, merchant app, core banking system, and payment solutions. Catering to consumer and MSME customer segments, MNT-Halan offers microfinance, asset finance, and various other financial services through both digital and offline channels, through numerous operating entities across four countries: Egypt, Turkey, Pakistan and UAE.
Sector
Credit - Microfinance
Location
MENA
ESG Score (current)
ESG score breakdown
(inc. comparison to score at time of Apis investment)
Environmental
Managing environmental risk and opportunity improves long-term resilience
Integrating climate risk management, resource efficiency, and the measurement of greenhouse gas emissions into a business’ operations allows for mitigation of climate-related risks, enhanced capital allocation decisions, and an improved environment, leading to improved overall resilience and long-term performance.
The factors that influence the Environmental score are:
Environmental policy / management system
Measurement of Scope 1-3 GHG emissions
Measurement of other environmental data
GHG reduction measures
Climate risk identification and mitigation
Environmental improvement measures
Fossil fuel exclusion policy
Endorsement of 3rd-party climate frameworks
Social
Investing in people, customers, and communities drives sustainable value
A focus on workforce development, gender diversity, and responsible product and service provision helps Apis’ portfolio companies to enhance productivity, improve operations, and build the trust that is needed to bring formal financial services to previously underserved communities.
The factors that influence the Social score are:
HR policy / management system
Gender representation
GBVH policy / management system
Unadjusted gender pay gap
Internal grievance mechanism
Health & safety policy / management system
Employee training
Endorsement of 3rd-party social / impact frameworks
Governance
Strong governance provides the foundation for disciplined growth and performance
Companies that improve accountability, transparency, and risk management are able to strengthen internal controls, reduce operational risk, and improve stakeholder confidence, allowing for sustainable scale.
The factors that influence the Governance score are:
ESG policy / management system
ABC policy / management system
Whistleblowing mechanism
AML / CFT policy / management system
Data management policy / management system
Internal audit function
Board composition
Certifications of international standards (e.g. ISO)