Fair Money & Economic Opportunity

Jiayin Group maintains a low 90-day+ delinquency ratio of 1.12% in Q2 2025 and 1.13% as of March 31, 2025, and a non-performing loan ratio below 2.5% for its core lending products in 2024.

The company prepares its ESG Report in strict accordance with the Global Reporting Initiative's (GRI) Sustainability Reporting Standards. It invests 15% of its annual revenue into R&D, but no specific percentage of pre-tax profit is reported as reinvested in community finance or profit-sharing. The company promotes financial literacy through various initiatives, but specific reach or outcome data is not provided beyond occasional workshops reaching less than 5% of customers. Jiayin Group's expansion into lower-tier cities accounted for over 40% of new loan originations in Q1 2025.

Honest & Fair Business

The company has a whistleblower policy that allows employees to remain anonymous when reporting violations.

Its board of directors consists of 40% independent members. The company also has an anti-corruption policy that includes compliance with the Foreign Corrupt Practices Act (FCPA), but it permits certain small facilitation payments to foreign officials if customary in the country or locality and intended to secure routine governmental action, provided there is prior written approval from the Compliance Officer and accurate reporting as a business expense.

Kind to Animals

Jiayin Group Inc. operates as a fintech platform, connecting investors with borrowers and providing loan origination, risk assessment, and collection services.

As a service-oriented company, its core business model does not involve physical products, animal testing, animal-derived ingredients, animal agriculture, or direct impact on wildlife habitats. Therefore, all KPIs related to the 'Kind to Animals' value are not applicable to the company's operations.

No War, No Weapons

Based on the provided ESG reports and news articles, there is insufficient evidence to assess Jiayin Group's alignment with the 'No War, No Weapons' value. The company operates in the fintech sector, providing online consumer finance services in China. The ESG reports focus on general sustainability and ethical practices but do not contain any information about the company's involvement in arms or defense contracts, peacebuilding initiatives, or related activities.

, , The materiality analysis confirms that Jiayin's business model is fundamentally neutral regarding this value, as its core operations do not inherently involve or support war or weapons industries. Therefore, a score of 0 is assigned due to the lack of relevant evidence.

Planet-Friendly Business

In 2022, the company's total Scope 1, 2, and 3 greenhouse gas emissions were 308.32 tCO₂e, a 34.79% reduction from 472.79 tCO₂e in 2021.

The company reported no environmental compliance violations or penalties in both 2021 and 2022. Water consumption intensity in 2022 was 0.28 tons per RMB million revenue. However, Jiayin Group Inc. has not disclosed any SBTi-validated science-based carbon reduction targets or other climate pledges.

Respect for Cultures & Communities

In 2022, the company's local procurement share was 98% of its procurement spending.

The company donated RMB 374,620.72 to the "Smile from the Heart" Project in 2022, partnered with the Shanghai Soong Ching Ling Foundation for the "Children Smile" youth mental healthcare program, and established the Jiajing Charity Special Fund for youth mental health. In 2022, 64.07% of employees completed training, and mental healthcare training was provided to teachers and students in Guizhou province.

Safe & Smart Tech

The provided articles, which are financial reports, do not contain any specific, concrete data points or information relevant to the Safe & Smart Tech ethical value.

There is no evidence regarding data breaches, cybersecurity investments, privacy certifications, AI ethics, encryption implementation, user data controls, or any other related security and privacy metrics.

Zero Waste & Sustainable Products

The provided articles are general announcements and summaries of Jiayin Group's ESG reports, highlighting their commitment to corporate sustainability, ethical business practices, and transparent governance.

They mention a focus on minimizing environmental impact, improving resource efficiency, and promoting the development of a circular economy. However, these are high-level statements of intent and focus areas. The articles do not contain any specific, measurable data points, initiatives, or outcomes related to waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education. As a fintech company, many of these KPIs related to physical products and manufacturing are not directly applicable, and no equivalent information for digital services is provided.