ESG Strategy of the PF MCA Financial Fund "BT Innovations"
The Fund consistently integrates ESG (Environmental, Social, Governance) principles into its operations, viewing sustainable development as the foundation for long-term growth, risk management, and value creation for clients, partners, and society.
Despite the fact that historically the ESG agenda was not formalized in strategic documents, throughout its operations, the Fund has implemented projects that directly contribute to achieving standards in the area of Sustainable Development Goals (SDGs).
Since 2025, ESG integration has been elevated to a strategic level: training seminars have been conducted, key priorities have been identified, the Fund's Sustainable Development Strategy for 2026–2028 has been adopted, a roadmap for further integrating ESG into the Fund's operations has been developed, and the implementation of an ESG system has begun.
Our ESG Strategy
Environmental Responsibility
The Fund supports the transition to a "green" economy by financing environmentally sustainable solutions:
- implementation of drip irrigation and water-saving systems;
- development of renewable energy sources (solar panels, biogas plants);
- financing of pedigree livestock breeding, which has lower specific methane emissions compared to traditional livestock breeding;
- launch of the "Jashyl Drive" product for energy-efficient and environmental projects, including the development of electromobility;
- financing of technologies to reduce CO₂ emissions into the atmosphere (including the "Heat Pumps" project – the introduction of energy-efficient heating technologies).
Social Development
The Fund promotes sustainable socio-economic development:
- expanding access to finance for farmers and entrepreneurs;
- supporting women's entrepreneurship (42% of clients are women) and launching the new "Aiym PRO" product to support women's entrepreneurship;
- developing value chains in agriculture;
- financing the private healthcare sector;
- investing in improving financial literacy;
- training farmers in climate-resilient agriculture (jointly with international partners);
- ensuring decent working conditions and employee development.
Corporate Governance
Governance structure and internal control:
- building an effective, balanced corporate governance system, including an effective Supervisory Board, Management Board, and internal control systems (internal auditor, risk manager, and compliance manager);
- implementing ESG policies and procedures, with the prospective integration of ESG screening into the credit process;
- developing an ESG data management system (ESG Data Hub);
- integrating ESG factors into the overall risk management system.
Ethics and compliance:
- adherence to corporate and ethical values, decent work and fair labor relations, workplace gender equality.
Disclosure and transparency:
- preparation for the systematic publication of non-financial reporting;
- large-scale digitalization of internal processes to improve efficiency, as well as transparency and accountability to stakeholders.
Our Sustainable Footprint
Our sustainable footprint is not a declaration, but systematic work, measurable results, and real projects that change the economy, society, and environment of Kyrgyzstan.
The "BT Innovations" Fund systematically supports the following Sustainable Development Goals in its operations:
Authorship: United Nations / UNESCO. ru.unesco.org/sdgs, CC BY-SA 3.0
SDG 8 – Decent Work and Economic Growth
The Fund promotes economic development and employment through:
- financing small and medium-sized businesses and startups;
- supporting entrepreneurship and production expansion;
- creating conditions for client income growth;
- ensuring decent working conditions, competitive compensation, and employee development.
SDG 9 – Industry, Innovation and Infrastructure
The Fund actively participates in modernizing the economy:
- financing the acquisition of equipment and technologies;
- development of agro-industry and processing;
- supporting infrastructure and industrial projects;
- introducing innovative solutions through investment lending.
SDG 7 – Affordable and Clean Energy
The Fund develops sustainable energy areas:
- financing energy-efficient solutions (financing solar panels and RES);
- supporting the implementation of renewable energy sources;
- launching "green" financial products (including "Jashyl Drive");
- reducing energy costs in clients' businesses;
- implementation of heat pumps;
- supporting electric vehicles;
- retrofitting buildings to improve energy efficiency.
SDG 3 – Good Health and Well-being
The Fund contributes to the development of the healthcare system and well-being:
- financing private medical centers;
- supporting the upgrading of medical equipment;
- assisting projects for medical waste disposal;
- social guarantees and employee support programs.
SDG 5 – Gender Equality
The Fund promotes equal opportunities:
- developing women's entrepreneurship (including through the "Aiym PRO" product);
- improving financial literacy among women;
- ensuring equal access to financing;
- 42% of the Fund's clients are women;
- maintaining a gender balance among employees;
- striving to increase the representation of women in leadership positions;
- developing women's leadership and equal career and professional development opportunities.
SDG 6 – Clean Water and Sanitation
The Fund supports the rational use of water resources:
- financing drip irrigation systems;
- investing in water supply and water intake systems;
- supporting water-saving technologies in agriculture.
Financial Fund
