Goal 12 Economic Life Phase 3 of 5 · Prototype

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 2025

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Total Debt

1,503 M EGP

arrow_upward Up from 1,052 M

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Microloans Issued

arrow_downward Down from 96

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Value of Microloans

3.17 M EGP

arrow_downward Down from 7.16 M

schedule Lender Payments

All 2025 payments to international lenders completed fully and on time.

Loan Portfolio Distribution

eco Green Bank Loans 52%

Down from 60% (2024)

business Conventional Bank Loans 48%

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 2025

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 3.17 M (2025), down from EGP 7.16 M (2024) and EGP 5.67 M (2023) — fewer but larger-ticket facilities approved.

Green-bank share

SEKEM's share of loans from green banks declined from 60% in 2024 to 52% in 2025, as conventional bank financing grew to 48% to meet capital needs — the group remains committed to lifting the green share again.

Vision Goals 2057

[ Vision Flower Component ]