Social
Financial Services for Sustainable Living
TISCO Group is dedicated to delivering financial products and services that align with the genuine needs of customers and the broader society. Through strategic collaboration with leading partner organizations, we continuously innovate to deliver solutions that are relevant, valuable, and enable us to foster financial inclusion and support lasting financial well-being of our customers.
TISCO Group aspires to be a trusted Financial Lifetime Partner, offering products and services that meet the diverse needs of customers at every stage of life. Our frontline employees are encouraged to listen attentively and engage with empathy, which is one of our core values. This approach helps us understand customer experiences and expectations, identify underlying challenges, and provide solutions that are timely and appropriate.
TISCO Group operates with a strong sense of responsibility in financial services, consistently supporting government policies to address excessive household debt under the Responsible Lending Directive (RLD), by promoting financial literacy in communities and offering fair lending practices that help transition informal debt into the formal financial system.
TISCO Group continuously develops service channels and expands access for underserved groups, enabling them to obtain loans at reasonable interest rates aligned with their repayment capacity, as well as working capital for business and personal emergencies through Somwang Ngern Sang Dai, a brand of Hi-Way Company Limited, our subsidiary. Somwang’s branch expansion not only improves financial inclusion but also promotes local employment, procurement, and resource use, helping drive inclusive economic growth in communities.
Financial Literacy to Promote Financial Discipline in Society
TISCO Group believes that life opportunities can be created and that creating a “sustainable future” starts with good financial planning. Thus, we have continuously supported and transferred financial knowledge to people in various groups with the goal of seeing Thai people have a better quality of life through seminars and activities related to financial literacy both online and offline, Especially the youth, who will be the foundation for the growth of Thai society and economy in the future. TISCO Group provided financial literacy to customers, employees, and the general public, totaling more than 1 million people each year. (For more information, please see Corporate Social Responsibility)
Human Rights Management
TISCO Group treats everyone equally without discrimination, and strictly adheres to human rights laws when conducting business. We adopted the United Nations Guiding Principles on Business and Human Rights (UNGP), along with the ‘Protect, Respect and Remedy’ framework, as guidelines for our human rights practices, which serve as a unified standard across the organization.
- Employees receive annual compulsory training to build awareness and understanding of their roles and responsibilities in respecting human rights, with an aim to promotes ethical conduct and respectful behavior towards colleagues, customers, and business partners.
- TISCO Group also communicates our human rights commitment to business partners, encouraging them to operate fairly, respect human rights, and strictly comply with labor laws.
- Human rights risk assessments are embedded into the company’s overall risk management process, enabling the identification, prevention, and proper management of potential risks.
- A secure and confidential grievance mechanism is in place for employees to report any human rights concerns or violations. In addition, reports can be submitted through our whistleblowing channels
Further details on our approach to human rights management can be found in the Policy & Guideline.
Fostering a Safe and Happy Work Environment
TISCO Group aims to create a “organization of happiness,” emphasizing on employee relationships, knowledge development, creating opportunities for career growth, providing a good working environment, and instilling corporate values. TISCO Group believes that human resources are the most important resource. When employees are happy at work, they can pass that happiness on to the outside society. To this end, we have formulated a comprehensive human resources policy that applies to all companies within the group, ensuring uniform standards in employee care. This policy includes the development of knowledge and skills to enhance proficiency, appropriate remuneration and welfare, maintaining occupational health and safety, and promoting a positive working environment, all while adhering to our corporate values.
