Strengthen human resource base for sustainable growth

We are the leading company in the consumer credit market, and we have always been innovating, with things like developing "MUJINKUN," the first automated application booths in the industry, and starting our credit card business. In order to continue "creation and innovation," we recognize the importance of respecting the abilities, ideas and values of our diverse workforce and ensuring that all employs continue to grow and take on challenges. We will go on delivering new value while securing human resource with the mindset of "surpassing yesterday's ACOM," unbound by conventional concepts.

Main Activities and Initiatives

Main Activities Targets and Initiatives for Each Activities
Advancement of human resource recruitment Improvement of the ACOM brand as workplace
Recruitment of diverse human resource by enhancing recruitment activities
Supporting employee growth Develop necessary human resource to realize management strategies in collaboration with each department
Establishing systems to visualize growth and reward achievements
Improvement of work engagement Improvement of engagement scores
Implementation of system reforms aimed at improving job satisfaction

Introduction of Activities

Supporting employee growth

We provide a variety of growth opportunities such as new employee training, "selective training " to systematically develop future management candidates, In-house study meeting and public qualification acquisition support.

Development of human resources

We offer a variety of growth opportunities, including position-based training such as new employee training, development of specialized personnel to promote digital transformation, in-house study sessions, and support for obtaining public certifications. We clearly define the qualities we seek in our employees through our vision structure and action guidelines, while also promoting autonomous career development by providing advance notice of our training program structure and schedule.

Compensation and evaluation

We have established a fair evaluation system that ensures employees who make strong contributions are appropriately rewarded. Evaluator training is provided to help them deliver fair guidance and constructive feedback.

Improvement of work engagement

Improvement of engagement scores

Based on the Policy on Internal Environment Development and under our corporate philosophy, The Sprit of Human Dignity, we are promoting Diversity, Equity and Inclusion (DEI) and working to create workplace environments where employees can work in comfort and with thorough job satisfaction. Through implementing various policies, we are endeavoring to conduct fixed-point observation of engagement and to grasp issues and make improvements so that the performance of the organization and employees is maximized and corporate value increased.
As for initiatives, we conduct an employee engagement survey*1 provided by Link and Motivation Inc. Based on the survey results, items with a large gap between level of expectation and level of satisfaction are taken up as organizational issues and various improvements are made. As a result, our most recent engagement score was 62.2, good for an AA ranking, our highest rank so far. In addition, in March 2025, companies with high engagement scores*2 among those giving out the survey were honored at the Best Motivation Company Award 2025 (large corporation division) and we placed in the top ten for the sixth consecutive year. Going forward, we will continue working to increase engagement between employees and the organization.

*1 A survey for measuring employee expectations and satisfaction in 64 items in 16 areas which impact employee engagement, in order to visualize the state of engagement in an organization

*2 A quantitative measure of the degree of mutual understanding between employees and the Company based on the results of expectations and satisfaction levels of all employees, calculated as a deviation value

Trend of Engagement Score

Vision Penetration Program

We have a vision penetration program to ensure that all employees understand the vision of ACOM, which is to "meet the expectations of all stakeholders."
This program is designed to further disseminate the vision by having employees communicate the vision to each other in their own words and deepen their understanding of it through dialogue. All employees, from executives to general employees, participate in this program.

Health and Productivity Management Promotion Structure

Declaration of Health and Productivity Management

In order to achieve "The Spirit of Human Dignity", "Customers First", and "Creative and Innovative Management", listed in ACOM's corporate philosophy, what I believe important is that all employees are physically and mentally healthy, and that they push forward their work with high engagement. For our employees and their family members to be able to spend a vivid life, I will endeavor to ensure our workplaces are conducive to our employees' pursuit of happiness.

October 20, 2021

Masataka Kinoshita

President and CEO

ACOM CO., LTD.

Basic Policy on Health and Productivity Management

To achieve our corporate philosophy and the Vision of ACOM Group, we continuously meet the expectations of all its stakeholders, we believe that it is essential for all employees to be physically and mentally healthy.
Under the declaration of Health and Productivity Management, we will establish a work environment where all employees could work in good health and with enthusiasm.

  • 1. We support both "mind" and "body" of our employees to achieve their physical and mental health. We will also work to improve lifestyle habits to reduce the risk of diseases and maintain and improve their health.
  • 2.Focusing on every employee, we will build an attractive work environment that improve their motivation and performance.

Purpose for Health and Productivity Management

We believe that the physical and mental health of employees leads to happiness for employees and progress for the company, so we enacted our Declaration of Health and Productivity Management in October 2021. We are working on that basis to build an environment in which our employees can "work with happiness and vitality."

Through various initiatives based on our Basic Health and Productivity Management Policy, we aim to reduce absenteeism*1 and presenteeism*2, both of which are key targets, and improve work engagement. Our goal is to establish a work environment where all employees can work in good health and with enthusiasm to achieve long-term growth and sustainable development for both employees and the company.

         

<Targets for Health and Productivity Management>

  • Reduction in absenteeism *1 1.0% or less
  • Reduction in presenteeism *2 34.5% or less
  • Improvement in work engagement *3 61.0 or higher

<Targets for addressing health issues>

  • Maintain a 100% participation rate in annual health check-ups 100%
  • Increase the participation rate of individuals recommended for general health guidance 38.0%
  • Increase the implementation rate of specific health guidance 89.5%
  • Reduction in smoking rate 20.5%
  • Cancer screening follow-up rate *4 50.5%
  • Influenza vaccination rate *5 50.0%

*1 Absenteeism: Individuals who absent from work or take leave due to physical or mental health problem.

*2 Presenteeism: A condition in which an employee's performance declines due to health problems. The lower the presenteeism score, the better the performance.

Measured using the WHO-HPQ method

*3 We conduct regular employee engagement surveys to measure employee expectations and satisfaction, and to monitor the organization's engagement status over time.

*4 Cancer screening (breast, cervical, stomach, lung, and colorectal cancer)

*5 Including dependents

(Note) Each target value is set based on past performance, taking into account the expected improvement effects of the measures.

Health and Productivity Management Promotion

Under the Declaration of Health and Productivity Management, Executive Officer, Human Resource Department, Hygiene Committee, Industrial Physicians, ACOM Health Insurance Association, etc. are cooperating to establish a Health and Productivity Management Promotion Structure. Moreover, we are promoting our employees' health enhancement by conducting an Annual Health Check-ups, stress examinations and employee satisfaction survey.

Health and Productivity Management Promotion

Major Initiatives

We implement the following initiatives to promote health and productivity management.

Main Activities Expenditure 2024
(Including Health Insurance Society)
Support for Mind and Body ・Prevented overwork by managing working hours, including supervisory personnel
・Mental health education in the workplace
・Various consultation desks *6 10.08 million yen
・Stress checks and interviews with doctors *7 4.05 million yen
・Clinical psychologist counseling in a metaverse 2.0 million yen
・Wellness leave :Leave for PMS, menopausal symptoms, etc.
・Medical assistance for overseas employees (insurance premiums) 10.33 million yen
Lifestyle-related disease prevention and cancer control ・Treated Medical checkups (secondary examination) as work time *8 1.37 million yen
・Provided general and specific health guidance during working hours *9 13.88 million yen
・Assisted the cost of physical examinations and cancer screenings *10 38.06 million yen
・Implemented measures (e.g., e-learning) to improve health literacy
・Held Health management event jointly with our business partner *11
・Supported for improving exercise habits and eating habits through the Health Portal *7 1.97 million yen
・Ran walking events to establish exercise habits and health events hosted by employees *7 2.43 million yen
Smoking cessation assistance ・Support for smoking cessation challenge *7 3.74 million yen
・Nicotinel patch cost assistance 0.07 million yen
・No smoking during working hours
Countermeasures against infectious diseases ・Influenza Virus Vaccine Mass Vaccination and Cost Assistance *7 7.88 million yen
Support for work-life balance ・Maintenance of various paid leave
・Partial paid parental leave *12 4.92 million yen
・Life support leave(leave for fertility treatment) *12 0.5 million yen
・Return-to-work support allowance for employees on parental leave 4.4 million yen
Creating an attractive workplace ・Employee awareness survey 5.15 million yen
・Support for improving communication in each department 26.82 million yen
Initiatives for Industrial Safety and Health ・Discussed and implement health management measures in collaboration with Hygiene Committee members *7 2.29 million yen
・Office safety and health status checks (air volume, CO2 levels, illumination, humidity, etc.) 0.23 million yen
・Announce of health information at the Hygiene Committee (industrial physicians, public health nurses, and health committee members)

*6 Consultation services provided by industrial physicians, clinical psychologists and public health nurses

*7 Including points awarded after the implementation of the initiatives (calculated as 1 point = 1 yen)

*8 Average daily wage × total number of days taken (average of half a day per person)

*9 Expenditure of general and specific health care guidance

*10 Total expenditure of medical checkup

*11 Vascular age screening event and veggie check

*12 Average daily wage × total number of days taken

  • Health management event held jointly with our business partner

    Health management event held jointly with our business partner

  • Influenza vaccination

    Influenza vaccination

  • Health event hosted by employees

    Health event hosted by employees

Achievements

Status of Health Management Initiatives Unit FY2020 FY2021 FY2022 FY2023 FY2024
Ratio of employees who went regular health checkups % 99.6 100.0 100.0 100.0 100.0
Ratio of employees who went detailed examinations after regular health checkups % 21.6 21.6 27.0
Ratio of employees who went stress checks % 94.7 93.0 96.9 96.4 95.3
Ratio of employees who interview with doctors after stress checks % 13.4 16.7 17.5 19.5 14.6
Participation in initiatives for employees *12 % 97.9 97.9 73.4 80.0 81.6
Implementation rate of general health guidance % 100.0 100.0 100.0 100.0 100.0
Participation rate of individuals recommended for general health guidance % 30.4 24.8 28.8 22.3 32.4
Implementation rate of specific health guidance % 93.1 96.2 94.6 98.6 88.8
Participation in Measures Related to Women's Health Issues Persons 84 95
Employee satisfaction with each initiative % 91.3 81.7
Average number of overtime hours worked per month Hours 19.0 20.2 21.0 20.4 21.5
Ratio of paid leave taken 72.4 71.0 80.0 83.5 81.1
Influenza vaccination rate (insured persons) 85.0 73.3 66.0 66.5 65.0
Influenza vaccination rate (dependents) 49.3 39.5 19.6 34.8 30.2

*12 Percentage of health point registrants

Changing employees' awareness and behavior, etc. Unit FY2020 FY2021 FY2022 FY2023 FY2024
Ratio of exerciser % 20.2 19.9 20.0 21.4 22.9
Smoking rate % 26.9 25.4 24.4 24.7 23.4
Treatment continuation rate % 12.8 14.2 15.0 16.2 16.2
Status of Employee Health Literacy *13 % 99.3 93.8 94.6
Ratio of appropriate weight % 67.5 67.8 67.8 66.3 64.9
Ratio of Findings *14 % 43.5 42.1 41.1 41.7 41.6
High stress rate % 12.8 14.8 14.6 13.9 14.9

*13 Ratio of employees taking e-learning about health and productivity management

*14 Ratio of employees with D to F ratings in annual health check-ups

The Ultimate Goal of Health and Productivity Management Unit FY2020 FY2021 FY2022 FY2023 FY2024
Attrition rate % 2.9 3.0 3.5 3.5 3.3
Status of leave due to injury and illness Persons 28 37 43 40 39
Absenteeism *15 % 0.22 0.25 0.41 0.50 0.82
Presenteeism *16 % 35.8 35.8
Status of work engagement *17 deviation value 53.6 57.1 58.8 59.7 60.1

*15 Number of days absence or sick leave due to physical or mental problem

Total number of working days in direct employment×100. In fiscal year 2024, sick leave days due to illness or injury were extracted and calculated from attendance data for a total of 2,686 employees.

*16 In fiscal year 2024, the WHO-HPQ method was administered to 2,563 employees (Response rate: 94.0%)

*17 In fiscal year 2024, the survey was conducted for 2,674 employees. (Response rate : 96.2%)

Work-Related Safety and Health Unit FY2020 FY2021 FY2022 FY2023 FY2024
Work-related accidents Accidents 2 3 0 2 0
 Resulting in leave Accidents 0 0 0 0 0
Commuting related accidents Accidents 4 6 1 3 4
 Resulting in leave Accidents 1 1 0 0 0
Frequency rate 0.0 0.0 0.0 0.0 0.0

External Evaluation

KENKO Investment for Health 2025 SPORTS YELL COMPANY 2025

ACOM was recognized for its various efforts to help employees maintain and improve their health, and selected as a Certified Health and Productivity Management Outstanding Organization jointly by the Ministry of Economy, Trade and Industry and the Nippon Kenko Kaigi for the fourth consecutive year.
Additionally, as a company that actively promotes and supports sports activities to enhance employee health, we have been certified as a Sports Yell Company by the Japan Sports Agency.
We will continue to build an environment where "tomorrow can be even happier than today," so our employees and their families can lead lives of vitality.

Various welfare programs

As one of our corporate philosophies is "The Spirit of Human Dignity," we provides the working environment that allows each employee to realize his/her life plan. In addition to health care and leave systems which are the basis for the realization, we offers various welfare programs related to marriage, pregnancy, childbirth, childcare and housing.

Hataraku Yell2025 Welfare Promotion Corporation

In 2025, we were certified as a "Welfare Promotion Corporation" under welfare award and certification system, "Hataraku Yell." This certification is for the fourth consecutive year following 2022. We will continue its effort to improve the environment with the aim of "becoming a company where each employee can be happier tomorrow than today."

Support for balancing work and childcare

Supporting a Balance Between Work, Child-rearing and Nursing

Supporting Next-generation Education Programs

Kurumin

We were accredited by the Tokyo Labor Bureau of the Ministry of Health, Labour and Welfare as a General Education Provider under the Act on Advancement of Measures to Support Raising Next-Generation Children, and granted the right to display the Kurumin accreditation provider logo. We were committed to providing a safe and nurturing workplace environment which is sensitive to the needs of employees with children and which allows all employees to work to the best of their ability. To this end, the company pursues policies designed to promote an appropriate balance between work and family life.

Support for balancing work and nursing care

To help employees calmly balance both work and nursing care when faced with caregiving situations, we offer information through the "Support Handbook for Balancing Work and Nursing Care", which consolidates essential information. In terms of personnel systems, we have established a supportive environment for balancing work and nursing care, including measures such as shortened working hours and the introduction of accumulated paid leave specifically for nursing care purposes.

Supporting Flexible Working Styles

We have following measures in place to promote employees' work-life balances; annual paid leave by the hour in the whole company, and flex-time system in some departments. We also adopts new systems to support flexible working styles , for instance employees can take seasonable vacation thorough the year.

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