CSR

TAWREEQ CORPORATE RESPONSIBILITY
CSR PHILOSOPHY - 2017

2 TAWREEQ CSR PHILOSOPHY 2017
































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CSR PHILOSOPHY 2017

BECAUSE













We care about building trust with our clients, suppliers,
governments, employees and our communities



We are the world’s first comprehensive Sharia-compliant supply
chain finance solutions provider



Around 80% of our MENA businesses are SMEs and nearly 60%
have no access to finance




Youth unemployment is around 30% in MENA, the highest in the
world



Economic sustainability has lifted more than 660 million people
out of poverty and has raised the income levels of millions more over

the past two decades



Sustainable development harmoniously meets the needs of
the present without compromising the ability of future generations to
meet their own needs
TAWREEQ CSR PHILOSOPHY 2017 3

Today we need about 1.6 earth planets to provide the resources
for our consumption and absorb our waste, but we have only one
earth!



We are draining planet earth by extracting 50 billion tons of

biomass, fossil energy, metal and minerals from the earth every year



Natural eco-systems are reaching critical thresholds and losing
their ability to adjust - and it could soon be too late!










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CONTENT








8 Why CSR?






10 Sustainable Finance – Positive
Impact Finance





14 Our CSR Philosophy





16 Our Approach




17 Our 2016-2020 Plan






21 Offering PARTNERS Innovative and
Sustainable Solutions





27 Empowering our TEAM





33 Integrity and Ethical

Approach to SOCIETY





39 Limiting our Impact
on the ENVIRONMENT














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Corporate Social Responsibility is the continuing commitment by
business to behave ethically and contribute to economic development

while improving the quality of life of the workforce and their families
as well as of the local community and society at large.


- World Business Council for Sustainable Development














































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CORPORATE SOCIAL RESPONSIBILITY PHILOSOPHY 2017







































TAWREEQ CSR PHILOSOPHY 2017 7
































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“At Tawreeq, CSR is the confluence of what
we believe in and where we envision the
future of our region”


Haitham Al Refaie
CEO










WHY CSR?



CORPORATE SOCIAL RESPONSIBILITY SCF partner across the MENA region is HOW DOES THE CSR PHILOSOPHY
AT TAWREEQ capsulated extensively with our core CONTRIBUTE TO TAWREEQ?
beliefs to serve our region through
At Tawreeq, CSR is the confluence sustainable finance solutions. To lead Our CSR Philosophy is a cornerstone in
of what we believe in and where we change, we have to be the change we our strategy, focused on our vision and
envision the future of our region. envision; in our founding years our mission and how we do business rather
Tawreeq Holdings was established with commitment to being a responsible than why we do it. In the heart of our
the profound belief to support our business is fulfilled through our core values - Empowerment, Integrity
business community with innovative contribution towards sustainability. It and Innovation, lies Tawreeq’s Pillars
Supply Chain Finance solutions that is a cornerstone for Tawreeq and it is and our commitment to sustainability
empower SMEs and their corporate incorporated in our strategic planning, of all our stakeholders including
partners and instill integrity in the guided by the global Sustainable our partners, team, community and
entire ecosystem. Development Goals (SDGs). overall sustainability. Our partners
and our team need to adopt and
Our core proposition is sustainable Accordingly, we foresee CSR as a way of understand our high values to be able
finance and being a positive-impact doing business and our CSR Pillars are to collectively reflect the impact on
business. To us Corporate Social our roadmap for sustainable business our community and be the change
Responsibility is a way of business, environment and practices leading to a that we want to see for the business
and how we grow is a reflection of better future. Our Pillars are led by: our generations of tomorrow.
our commitment to our core values Partners and the benefits added to our
and underlying conviction that ethical overall economic ecosystem; our Team, We believe in Sustainable finance
business is good business. the invaluable contributors to who and ethical business, which is why
Tawreeq is; our Society, that requires us INTEGRITY is one of our values; we also
WHAT ARE TAWREEQ’S CSR PILLARS? to be the change we want to see; and believe in INNOVATION and in new ways
finally our Environmental Sustainability, to EMPOWER and lead change in our
With Tawreeq Holdings celebrating its our need to cater for our future business ecosystem; hence CSR is not
first year in 2016, our vision to be the generations and our sustainability just a plan, it is our business philosophy
leading and preferred Sharia-compliant globally. and the foundation of Tawreeq.




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INNOVATION FOR GROWTH

Combining technology and Supply Chain Finance expertise to
deliver efficient and reliable working capital and liquidity solutions











































































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Tawreeq recognizes the

challenges facing the global
community, especially the
MENA region; and we take
pride in our dedication

to serve our part through
sustainable SCF solutions
contributing to the
achievement of the global

Sustainable Development
Goals (SDGs).






SUSTAINABLE FINANCE



Positive Impact Finance



Tawreeq Holdings, a brainchild of contributing to the achievement of the
innovation, was established with the global Sustainable Development Goals
core focus of addressing the missing (SDGs).
link in the financial ecosystem and
improve SMEs’ access to finance. In September 2015, the UN General
Assembly formally established 17
Tawreeq is focused on the need to Sustainable Development Goals (SDGs)
nurture our businesses to grow, to to be addressed by 2030, effectively
challenge the ridged restrictions for providing a framework for public
finance confining SMEs and corporates, and private stakeholders to set their
and to enable a comprehensive agendas. Tawreeq believes in the
collaborative ecosystem that meets the strong role the private sector plays and
demands of tomorrow’s businesses. aligns its business to support through
Tawreeq’s corporate strategy is aligned sustainable financial solutions by being
with its vision, mission and values to an active and conscious corporate
remain a positive impact business and towards communities and the
promote sustainability with its business environment, taking a holistic approach
proposition. to implementing our business strategy.

Tawreeq recognizes the challenges Our vision is to grow our business
facing the global community, especially whilst supporting our business
in the MENA region; and we take pride communities with sustainable
in our dedication to serve our part solutions and increasing our social
through sustainable SCF solutions positive impact.



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SCF: SUSTAINABLE FINANCE



AND INVESTMENT



Tawreeq Holdings perceives Supply upholds a value-centric approach to and education, are core issues and we
Chain Finance as a sustainable finance provide Supply Chain Finance solutions prioritize sustainable sectors. In 2017
solution that supports all stakeholders. to the market through ETHICAL and Tawreeq Holdings became the first UAE
SCF is seen to be one of the appropriate SUSTAINABLE financing programs, member to join the United Nations
solutions to support SMEs’ access as well as maintain a positive SOCIAL Environment Programme - Finance
to finance, a key factor to economic INFLUENCE on our communities. Initiative (UNEP FI).
growth and business sustainability.
The Tawreeq Philosophy and our core Responsible Business
values reflect our commitment to the
 Aggregately, SCF solutions are foundation principles of our group and As we believe that in order to see
structured with a buyer-centric our approach to the market outlines change we have to be the change
approach, typically taking the our principles and standards in this ourselves, our Corporate Social
exposure of the larger corporate regard. Our corporate strategy and our Responsibility (CSR) is a key pillar of our
to avail financing for SMEs with responsibility to our communities are organizational structure and culture.
a more competitive and risk- entwined, and accordingly, Corporate Tawreeq embraces a comprehensive
adjusted approach. approach to CSR and we encourage our
Responsibility is a key element in partners to adopt a similar approach.
 Globally, SCF has been endorsed Tawreeq’s approach.
as a sustainable means of finance,
especially with regard to SMEs. Tawreeq’s strategy has three main Tawreeq’s Sustainability Priorities
In a recent study on SCF, the themes: In line with our business objectives,
WTO emphasized the power of our approach to finance also prioritizes
innovative SCF solutions to help Ethical Finance projects of positive social impact. Our
bridge the finance gap for SMEs. We provide Sharia-compliant financial systematic due diligence includes a full
solutions that enable sustainable assessment of the impact of our work,
 SCF enables SMEs previously growth for businesses of tomorrow. ensuring the added value of providing
considered ‘un-bankable’ to access We believe that SCF enables business finance for the business and the sector.
credit for trade and working continuity to support sustainable We work closely with our clients and
capital.
growth, especially through monitor activities to ensure that our
 SCF allows a more risk-adjusted empowering SMEs. Healthy businesses strategic goals have been achieved and
approach in lending to SMEs and support the economy and create jobs to our processes are improved with added
accordingly preserves financial the aggregate benefit of society, so we value.
stability. strive to boost this through a range of
innovating SCF products which address Tawreeq’s Finance Priorities
 SCF allows businesses to expand our priority area being SMEs through With the aim of providing sustainable
by providing access to working engaging with their corporate partners. growth and empowerment to our
capital, which improves their ability business communities, we focus
to increase trade volumes. Sustainable Finance on working with socially conscious
In working with businesses, our businesses and sustainable sectors and
Tawreeq’s Value-centric focus is to address some of the most we engage with partners that value
our approach to finance that enable
Approach to Markets pressing economic and environmental
sustainability challenges in the region sustainable growth.
Aligned with sustainability as our guided by the SDGs. SME sustainability,
core proposition, Tawreeq Holdings climate risks, resource risks, innovation













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Tawreeq’s Corporate

Strategy and CSR are closely

aligned under the same
theme and vision, focusing
on a sustainable business

model and value to all our

stakeholders.


















OUR CSR PHILOSOPHY



At Tawreeq Holdings, CSR is not We believe that to see change, we have the conjunction between our business
merely a strategy; it is the way we do to be the change we envision. With us model and our CSR.
business! That is why we call it our envisioning more for our future and
philosophy towards our stakeholders for our rising businesses of tomorrow, Our corporate strategy is inseparable
and how we work together for a better sustainability is instilled in our core from our CSR strategy; it is a
comprehensive business ecosystem. value proposition and philosophy. sustainability philosophy and how we
do our business rather than why we do.
Tawreeq’s vision is to be the leading We believe that our responsible
and preferred Sharia-Compliant Supply approach to business is the only way Tawreeq’s approach to sustainability
Chain Finance provider for SMEs to do business. We have a huge part is through our core values of Integrity,
and their corporate partners in the to play in the betterment of our future Empowerment and Innovation,
MENA region with global outreach in line with the belief that the private which are our commitment to our
and innovative technology to expand sector has a huge role in participating stakeholders. Our CSR philosophy is to
regional trade and facilitate growth and in the race towards achieving the global stay true to our core values and serve
employment. Sustainable Development Goals (SDGs). our key stakeholders by maintaining
this belief integrated into our business
Our vision is to grow our business, Tawreeq believes in playing its role across Tawreeq Holdings affiliates and
whilst increasing our positive social through offering sustainable finance subsidiaries. Our pillars are our Partners,
impact. Tawreeq’s corporate strategy products that increase access to finance Team, Society, and Environmental
and CSR are closely aligned under the and improve economic wellbeing, Sustainability.
same theme and vision, focusing on a supporting the efforts towards
sustainable business model and value achieving the SDGs. Therefore, being a
to all our stakeholders. sustainable finance solution provider is


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OUR FOUR PILLARS














Empowering
our TEAM












Offering PARTNERS CSR
Innovative and Integrity and ethical
sustainable solutions approach to SOCIETY





Limiting our
impact on the
ENVIRONMENT


















































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OUR APPROACH




The organization of our CSR strategy is to ensure that
our CSR philosophy is embedded across our group and
is practiced towards all our stakeholders. There is no
centralized one-angle view to CSR at Tawreeq Holdings;
it’s a collective and interactive approach from all
Tawreeq Holdings affiliates and team.

























































MANAGING OUR CSR



The oversight and review of our CSR Tawreeq SCF Investments, and HMR and oversees the implementation,
Philosophy and our CSR Plan is a Consulting, each apply and follow tracking and targets by all functions.
function of our Strategy Department. the same CSR Philosophy, although The department is supported by a CSR
It is responsible for managing the activities might be concluded by each steering committee, which includes
Group’s CSR strategy and deploying it affiliate separately in line with the the management of all functional
at every level across all affiliates and overall objectives and targets. departments as well as the senior
departments. management. Tawreeq Holdings allows
The Strategy Department guarantees the CSR Philosophy to be adapted and
Tawreeq Holdings group including Dar and ensures that the group’s strategy deployed across the group.
Al Tawreeq Forfaiting and Factoring across affiliates and departments
Services LLC, iSCF Capital Limited, is in line with the CSR Philosophy




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OUR COMMITMENTS



Our CSR Strategy is based on our strong values and vision to facilitate ethical sustainable financial solutions that serve in
bridging the credit gap in the region, while empowering SMEs and improving their access to finance. Our strategy is based
on our interaction with all stakeholders to facilitate the most benefit to SMEs, empower our businesses and corporates to be
more inclusive and have a holistic approach to their own supplier network, and provide the comprehensive benefits to our
society with a more cohesive ecosystem supporting growth and employment.

Our approach targets including all stakeholders in our process, as our focus on the key four pillars is inclusive of their
participation with us and together we can make change ripple across to greater benefit.






Our Employees SME Community NGOs and Our CSR Trade Unions
Associations Stakeholders and business
Associations








Suppliers & The Financial Shareholders The Financial Our Clients
Service Providers Community Community / Business
Community










OUR










2020 In 2016 celebrating Tawreeq’s first anniversary,


we launched the CSR Philosophy and by 2020
we plan to be a cornerstone in our expansion
and growth. Our plan sets out our core pillars,
commitments and key priorities that collectively,
with our stakeholders, we will address and
PLAN track and review our progress and share with
work on over the next period. We will annually

our stakeholders to further empower and instill
change.














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PILLAR No. 1 – PARTNERS PILLAR No. 2 – TEAM
Provide sustainable solutions Empowering our Team


 2020 priority: Support corporates’  2020 priority: Promote diversity and
adoption to the need to empower and respect equal rights for all our team.
support the sustainability of their SME
supplier network.  2020 priority: Implement and maintain
safe and healthy work environment for
 2020 priority: Provide training, support our team, supporting their quality of life
and advisory to entrepreneurs, startups and focus on improving their health.
and SMEs, empowering them to expand
and maintain sustainable businesses.  2020 priority: Maintain a dynamic
approach to talent and skill management
 2020 priority: Expand cooperation with to support employees’ career growth and
our Partners by providing feedback knowledge growth.
schemes and satisfaction measurement.
 2020 priority: Support and empower
 2020 priority: Implement and ensure women in the workplace and in their
responsible and ethical business practices communities to be a leading voice of
with all our clients and suppliers. change.





























































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PILLAR No. 3 – SOCIETY PILLAR No. 4 – ENVIRONMENTAL
Integrity and cohesive SOCIETY SUSTAINABILITY
Limiting our impact on the environment
 2020 priority: Be an active, positive- and focusing on sustainability
impact participant in our community
through sustained support to equal  2020 priority: Support awareness among
human rights. team and partners on the importance
to act responsibly towards our natural
 2020 priority: Extend our expertise and resources and our environment.
knowledge through microfinance to
empower communities’ sustainability.  2020 priority: Implement and practice
economic consumption and conversion
 2020 priority: Implement and support of usage of resources from energy to
our team to actively participate in water for our future sustainability.
charitable and community-focused
activities and projects and to commit on  2020 priority: Expand our access to
their own to the need to giveback to the sustainable businesses and grow our
society green finance portfolio.

 2020 priority: Be a leading voice in
supporting and adopting ethical and
sustainable business and promoting
innovation through education.























































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PARTNERS







Offering partners Innovative and Sustainable Solutions


“We cannot become what we want to be
by remaining what we are” - Max De Pree


Our vision is to be the leading and preferred Sharia-compliant Supply
Chain Finance provider for SMEs and their corporate partners in the
MENA region with global outreach and innovative technology to
expand regional trade and facilitate growth and employment.

The core belief and foundation of Tawreeq is to establish the
business that serves the market needs. Our plan sets out our core
pillars, commitments and key priorities that collectively, with our
stakeholders, we will address and work on over the next period.

Tawreeq believes in creating a stronger and better ecosystem by
supporting SMEs’ access to finance through efficient SCF solutions;
helping corporates expand their business and sustainability while
empowering their suppliers; and promoting ethical investment into
the real economy to facilitate growth and employment.




























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PRIORITY 1


Support corporates’ adoption to the need to empower
and support the sustainability of their SME supplier
network

SMEs are the bedrock or our region and access to
finance is the most critical restricting their ability
to expand and grow. Our solutions are deployed in
collaborative effort to benefit corporate buyers and
most importantly to add value and benefit to their SME
supplier network. Our Factoring solutions offer SMEs
tailored, efficient, and reliable access to working capital
finance without the burden of financial obligation from
their corporates.



Our Responsibility

Our focus is on expanding the knowledge and
benefit of supporting the SMEs and the obligations
corporates have to their suppliers as well as to their
own competitive advantage. By providing efficient
working capital solutions access to their SME suppliers,
corporates deliver their support to a sustainable and
efficient ecosystem; and our focus is to increase the
number of corporate partners and participants to reach
as much support to SMEs as possible.

We structure programs to the benefit of extended
SME network across the MENA region through
cooperating with their corporate clients, supporting a
comprehensive ecosystem for benefit of all stakeholders.

Our Focus

Expand the factoring programs through cooperating
with leading corporates based on the need for them to
add their part to support their supplier network through
providing access to finance, especially with focus on
SMEs being the majority of the suppliers.
















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PRIORITY 2

Provide training, support and advisory to
entrepreneurs, startups and SMEs, empowering them
to expand and maintain sustainable businesses

Tawreeq is dedicated and committed to providing the
solutions and support to establish a healthy ecosystem
in support of business growth and scalability. Our
advisory affiliate, HMR Consulting, focuses on providing
the needed training, advisory and support to businesses
and especially SMEs that require the needed business
knowledge and support to expand. Our group is
committed to providing our partners with the required
support and expertise to help nourish their expansion,
sustainability and growth.


Our Responsibility

We are committed to the training, development
and sustainability of our partners and community,
by providing the environment and support for their
requirements to expand. We work closely with our
partners and especially SMEs by advising and referring
the needed support for their growth.

Our Focus

Working closely with our partners, being corporates
and SMEs, we have come to identify the needs for their
development and growth. By offering tailored working
capital solutions, certain gaps have been seen in the
operations of corporates and SMEs. Through our affiliate,
HMR Consulting, our major focus is on fostering the
comprehensive ecosystem by advising and helping in
catering to their training and development needs as
required for their development and growth.

















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PRIORITY 3


Expand cooperation with our Partners by providing
feedback schemes and satisfaction measurement

To measure up to our vision and our high standards of
operation, Tawreeq strongly believes in working closely
with our partners in tailoring their needed solutions. Our
strategy to provide relevant services and programs is
aligned with our ability to always improve and develop
more support to our network and that can only be
achieved by working closely with our partners.

Our Responsibility

We see our clients as our partners and to be fully
reflective to that belief we need to always work closely
with them to ensure that the benefits and best of the
value of our structured programs and solutions are
provided.

Our Focus
To develop the feedback mechanism that encourages
our partners to provide the feedback needed to help
and support in making the programs reach maximum
beneficiaries and enhance the delivery process.



























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PRIORITY 4

Implement and ensure responsible and ethical
business practices with all our clients and suppliers

By introducing the world’s first comprehensive Sharia-
compliant SCF solutions to the market, Tawreeq is
committed to leading by example as a provider of
ethical and sustainable finance solutions.



Our Responsibility
We commit to ensure ethical procurement and business
practices, with best-in-class governance and trust to all
our partners and stakeholders.

Our Focus

Our priority is not just offering Sharia-compliant SCF
solutions, but the aggregate concept of ethical and
sustainable solutions, focusing on the benefits to all
stakeholders with reasonable, transparent and efficient
structuring and application.

Our governance, purchase policies, ethical approach
and selection of service providers and partners should
reflect our core values in line with our CSR Philosophy.
We should promote our approach to business and help
instill an overall healthier business community.
























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TEAM







Empowering our team


“The company is completely lifeless without the
spirit the team pours into it” - Haitham Al Refaie


Our commitment is to empower our team, to be proactive and
engaged members of society, to love what they do, and be the leaders
of change. Our principle is that to be the change we want to see
and without initially committing that to our team, we cannot move
forward.

We have a holistic approach towards our business strategy and the
quality of dedication from our team to be the agents of change is
only achieved with our commitment to their growth, wellness and
happiness.

Our priorities will always be lead by our commitment to respect
equality and empowerment.































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PRIORITY 1


Promote diversity and respect equal rights for all our
team

Tawreeq strongly believes strongly in the value of human
life and equal rights. The group applies the ten principles
of the UN Global Compact which are derived from: the
Universal Declaration of Human Rights, the International
Labour Organization’s Declaration on Fundamental
Principles and Rights at Work, the Rio Declaration on
Environment and Development, and the United Nations
Convention Against Corruption.


Our Responsibility

We are committed to the advancement of equal rights and
adopt a framework that constitutes support to our Team
to reflect the belief on their communities as well. We are
a growing team with more than 11 nationalities and still
growing, believing and respecting that diversity is a factor
for innovation.



Our Focus
We intend to eliminate any type of forced work, employee
discrimination, and instill an environment of respect,
which is the foundation of our corporate culture.






















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PRIORITY 2

Implement and maintain safe and healthy work
environment for our team, supporting their quality of
life and focus on improving their health



We strongly believe that a happy person is a productive
person, and as dedicated as our Team is, we are
committed to their wellbeing and safety.


Our Responsibility

The occupational risk is not much among the service
providers as much as in the industrial and site work,
however, we believe that the hours our team spends at
work has a huge impact on their health and accordingly
on their quality of life. Stress is not something
quantifiable but it is our responsibility to provide
our employees with a supportive, safe and healthy
environment to be productive.

Our Focus

Our focus is to provide a safe and comfortable
environment for our team to work and to promote a
healthy lifestyle and support their initiatives to take care
of their health and those around them. We believe in
being agents of change, and we support by spreading
awareness to our team and their loved ones.























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PRIORITY 3


Maintain a dynamic approach to talent and skill
management to support employees’ career and
knowledge growth

Tawreeq is a responsible company towards society and
to be able to serve our vision and our commitment to
our communities in a better manner, we start with our
team. We pay special attention to talent management
and believe in empowering our team to grow.


Our Responsibility

Our responsibility is to support our team to harness
their potential and polish their talents, to be better and
happier individuals. It is our responsibility and priority
to help the team find the best fit for them and develop
their potential.

Our Focus
Our focus for the coming period will be on supporting
managers to empower their team and inspire them for
growth and development. Focus on talent acquisition,
knowledge management and effective succession
planning.


























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PRIORITY 4

Support and empower women in the workplace and in
their communities to be a leading voice of change

Equality, diversity and fairness is our commitment and
in doing that we have very strong principles towards
empowering women, helping eliminate gender
discrimination and bridge any gap in our communities.


Our Responsibility
To acquire professional equality, empowerment and
personal fulfillment, we strongly support in empowering
women to be more active and engaged. We focus on
fairness and promotion of women empowerment
among all our stakeholders and we lead by example.

Our Focus

Our focus is to promote equality and women-
empowerment structure across the company and to
our stakeholders and ensure fair competitive selection
process; by doing so we attract and develop the leading
women talent that is missing in our field.






























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SOCIETY








Integrity and ethical approach to our society

“You must be the change you want
to see in the world” - Mahatma Gandhi



Integrity is one of the core values of Tawreeq and our commitment
to our society is at the heart of our core business. In providing
ethical and sustainable financial solutions through Supply Chain
Finance programs, our focus is to improve the access to finance and
implement a more cohesive ecosystem, supporting overall growth
and employment.

In reflection to our beliefs catering for the needs of businesses,
working closely with our partners gives us the ability to be the change
we envision in our future. We foresee high standards of business
conduct and value our participation in reflecting these standards on
our society across the MENA region.

In adopting the 2030 Agenda for Sustainable Developments and the
SDGs, we are aligned in the determination to end poverty and hunger
and ensure that all human beings can fulfill their potential in dignity
and equality.

Guided by our expertise in sustainable SCF solutions and our core
values of empowerment and innovation, our dedication to our
Society will be focused through empowering communities through
supporting micro-businesses with microfinance and fostering
innovation and growth through education; the prominent two causes
adopted by Tawreeq.

By applying our values, we reflect them and we become them. Tawreeq
supports our team and partners to be more proactive in giving back
to society and in being active and effective towards creating a better
society for all of us.




















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CSR PHILOSOPHY 2017

PRIORITY 1


Be an active, positive-impact participant in our
community through sustained support to equal
human rights.

A life of equality and dignity is a right and not a
privilege. In our commitment to sustainability, we align
our social efforts to support where we can in the welfare
and safety of people and in the efforts to eradicate
poverty in all its forms and dimensions in line with the
SDGs 2030 Agenda.



Our Responsibility
We strive with our best efforts to ensure where
possible by participating with recognized communities
in donations and in volunteering to help support
underprivileged communities in need of basic human
necessities of food, shelter and water.

Our Focus

Our company and team members, directly involved or
not, are educated and supported to be active agents
to preserve human rights and dignities and they
are empowered to give when and how they can. We
perceive eradicating poverty a basic right for all human
beings and a goal collectively achieved by the human
race.





















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PRIORITY 2

Extend our expertise and knowledge through
microfinance to empower communities’ sustainability

Our business is part of an entire economic ecosystem
of businesses. As a provider of sustainable financial
solutions with special focus on SMEs, we clearly
understand the rough environment for un-bankable
microbusinesses and their huge impact on livelihoods
and communities.

Our Responsibility

With our expertise and knowledge in the area of
supply chain finance and with our support to SMEs, it is
imperative for us to further enhance our participation in
the communities through supporting micro-businesses
that are vital to the economy and accordingly, enabling
us to make greater impact.



Our Focus
To develop the needed skill set and support for micro-
businesses, to enhance their sustainability through
support and allocating financing resources for their
expansion and growth.



























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CSR PHILOSOPHY 2017

PRIORITY 3


Implement and support our team to participate more
in charitable and community focused activities and
projects and to commit on their own to the need to
giveback to the society

We are as much as we give, that is a strong conviction of
Tawreeq and we support our team to see that as much
as we can. We promote and support them to have the
capacity, the means and the time to give back to the
community as much as it has given to them. To be able
to share their knowledge, ability and dedication with the
community is imperative and it is a value that everyone
should cherish and contribute to.

Our Responsibility
We should promote the value of community service,
of giving time and support to our society and to help
in areas we can. Doing good, changing a life and
dedicating part of your time to helping others is a
humanitarian cause that we need to cherish.

Our Focus

Our focus is to provide the support, time, ecosystem
and means for our team to participate and engage
effectively in making a difference and contributing
positively to our society. We strive to provide our team
with the network and venue to express and reflect
positive attributes enabling them to instill positive
change.


















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PRIORITY 4

Be a leading voice in support and adopting ethical
and sustainable business and promoting innovation
through education



In our efforts to make charitable giving extra
meaningful, we strive to support our community in
improving the quality of life by providing finance for
education to foster innovation and sustainable living.
We aim to connect with organizations engaged in
education through providing scholarships or financial
support to educational initiatives or students who need
financial assistance.

Our Responsibility

As a corporate citizen, it is imperative for us to
understand that without education it is impossible for
our society to progress and we have a responsibility in
promoting and advocating for education locally and
globally.

Our Focus
We need to practice what we preach. We commit to
make a significant difference in the society and improve
the overall quality of life by supporting education across
the globe.
























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ENVIRONMENTAL




SUSTAINABILITY






Limiting our impact on the environment and focusing on sustainability


The speed at which we transition to a sustainable society is a
key factor for determining our future. Together, we can tackle
climate change for a sustainable future



Earth is our treasure and we have to do our part to nurture it the same
way it nurtures us! Our sustainability is dependent now on how aware,
active and responsible we are towards our surroundings, we are busy
making a life that we forget that we have air to breathe and water to
drink, simple things that might be luxury to others or a dream to our
future generations.

We may not have a huge impact now but we are still committed to
limiting our environment footprint, not just by being active and aware,
but also by sharing that knowledge with our stakeholders.

Our care for our environment is our care for our sustainability, our
ability to envision a better tomorrow, and our integrity towards the
privileges other societies miss.

Tawreeq Holdings recognizes the need for sustainable development
that is compatible with human welfare and a healthy environment. In
our role as a positive impact finance provider and focus on sustainable
financial solutions we are committed to expand our support through
financing more sustainable sectors and businesses.






















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PRIORITY 1


Support awareness among team and partners on the
importance to act responsibly towards our natural
resources and our environment

If we don’t begin reducing global greenhouse-gas
(GHG) emissions within the next five years and beyond,
average temperatures are likely to rise by more than
2°C this century. The probable impacts would be
disastrous declining crop yields, rising sea levels, ocean
acidification, droughts, floods, storms and heatwaves
and major economic losses among others.

Our Responsibility
At Tawreeq, we are responsible to support the
environment and spread awareness of the importance
of preserving our natural resources and limiting our
carbon footprint. Respecting the diversity of our planet
and the sensitivity of the ecosystem.

Our Focus

Our focus is to support and spread the awareness on
the need for sustainable environmental practices by
businesses and individuals in their everyday lives. It is
essential to improve awareness on the understanding
of the environmental threats and the impact of their
actions on our future and sustainability.






















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PRIORITY 2

Implement and practice economic consumption and
conversion of usage of resources from energy to water
for our future sustainability

In our commitment to the sustainability of our
environment, we need to be vigilant in our practices
in preserving natural resources and adopting positive
consumption practices.

Our Responsibility
At Tawreeq, we are responsible to support the
environment by our practices that will support preserve
our planet and our natural recourses.

Our Focus

Implementing green and sustainable consumption of
energy and resource management practices is essential
for limiting our negative environmental impact.




































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CSR PHILOSOPHY 2017

PRIORITY 3


Expand our access to sustainable businesses and grow
our green finance portfolio

Tawreeq Holdings as a sustainable finance provider
is focused on enhancing SMEs access to finance
supporting the progress towards the SDGs. We are also
committed to expand our support through prioritizing
sustainable projects and sectors to expand our positive
impact.

Our Responsibility
At Tawreeq, we are committed to take the necessary
actions to expand the corporate knowledge to include
environmental factors in our assessment and to
introduce products more focused towards sustainable
projects and sectors.

Our Focus

Our focus is to integrate, locally and/or globally,
sustainability requirements into existing financial
products, and/or establish new products that will help
reduce unsustainable activities and create a positive
impact on sustainable development. We will also
facilitate finance for clients engaged in sustainable
development and green sectors.

Tawreeq is committed to achieving the priorities and
following the guidelines set out in the Tawreeq CSR
Strategy and carrying out the business responsibly in
line with Tawreeq’s core values and philosophy.
















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