Goal 12 · Ethical Finance
Ethical Finance
"Egypt has implemented ethical banking and finance."
lightbulb Why It Matters
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Ethical banking serves as a critical mechanism for advancing the Sustainable Development Goals (SDGs).
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Financial systems must integrate strict social and environmental impact principles to foster genuine sustainability.
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Early progress in Egypt demonstrates the viability of shifting capital toward regenerative economic models.
Our Goal 2027
Prototyping an ethical banking model integrated across all SEKEM activities and partnerships.
Approach
- Establishing alternative financial models
- 10% profit reinvestment directed to cultural life
- Bedaya-Marilou microloans active in 13 villages
- Expansion of the Miza point system
Performance 2024
All 2024 payments completed fully and on time.
Loan Portfolio Distribution
Looking Ahead
- arrow_right Expand microloan reach and financial literacy programs.
- arrow_right Secure SEKEM funding exclusively from ethical sources.
- arrow_right Strengthen Miza points ecosystem.
- arrow_right Launch ethical finance certification.
account_balance Other News 2024
EBDA × National Bank of Egypt
Signed an MoU to support smallholder farmers across three areas: solar pumping, irrigation systems, and contracting agriculture.
Micro-loans growth
Total value: EGP 7.2 M (2024), up from EGP 5.7 M (2023) and EGP 3.7 M (2022) — nearly 2× growth in 2 years.
Green-bank share
SEKEM's 75% of loans sourced from green banks in 2024 — a rebound after the 2023 dip (60%), matching the 2022 baseline.
Vision Goals 2057
[ Vision Flower Component ]