What is ESG?

Environmental

Encourages the responsible use of natural resources, reduction of environmental risks in lending, and support for sustainable agriculture and clean technologies.

Social

Focuses on fair access to financial services, client protection, social inclusion, and support for community well-being.

Governance

Ensures transparent processes, effective risk management, strong internal controls, and accountable leadership practices.

ESG Milestones

2015

Smart Client Protection Certificate by CFI

2016

Formalization of Exclusion List

2018

ESMS Implementation

2023

GOLD Level in Client Protection by MFR

2024

Green Credit Product Launch

2025

ESG Policy Implementation

Green Future

In 2024, Microinvest launched its first Green Credit product — a significant step toward building a more sustainable loan portfolio. This innovative financial solution is designed to support clients who invest in environmentally friendly technologies, energy efficiency, and sustainable practices.

It reflects our proactive approach to financing the green transition and responding to the growing demand for sustainable investment options among clients.

As our journey continues, ESG at Microinvest is not only about reducing risks or complying with regulations — it is about unlocking opportunities, building trust, and creating long-term value for our clients, partners, and communities. Our goal is to be a responsible financial institution that contributes meaningfully to Moldova’s sustainable development and inspires others in the sector to do the same.

Quick Facts

Microinvest Employees are Women

1 %

Microinvest Loan Portfolio is allocated to Women Borrowers

1 %

Microinvest Loan Portfolio supports Young Borrowers

1 %

Microinvest Loan Portfolio is allocated to Rural Borrowers

1 %

Client Story

Agroelit SRL, an agricultural enterprise founded by Ghenadie Cioinac, exemplifies successful implementation of sustainable solutions with support from Microinvest. Starting from modest beginnings, the company has grown through innovation and operational efficiency to become a key player in the agricultural sector. Recently, Agroelit SRL took a strategic step towards sustainability by investing in solar panels, energy-efficient technologies, and eco-friendly crop cultivation methods. Utilizing Microinvest’s Green Credit, the company effectively reduced operational costs while enhancing productivity.