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.

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 59.7, good for an A ranking, our highest rank so far. In addition, in March 2024, companies with high engagement scores*2 among those giving out the survey were honored at the Best Motivation Company Award 2024 (large corporation division) and we placed in the top ten for the fifth 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."

Our goal is to establish a rewarding environment where employees could work in good mental and physical health, with pride and fulfillment, and to achieve long-term growth and sustainable development for both employees and the company. To this end, we will reduce the targets of absenteeism*1 and presenteeism*2 and improve work engagement, through various initiatives based on the Basic Health and Productivity Management Policy.

*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.

Health and Productivity Management Promotion

Under the Declaration of Health and Productivity Management, Executive Officer who concurrently serves as director in charge of Human Resource Department, 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 2023
(Including Health Insurance Society)
Support for Mind and Body ・Prevented overwork by managing working hours, including supervisory personnel
・Mental health care curriculum in training for new managers
・Various consultation desks 1.7 million yen
・Stress checks and interviews with doctors 4.6 million yen *3,4
・Clinical psychologist counseling in a metaverse(From 2024)
・Wellness leave :Leave for PMS, menopausal symptoms, etc. (From2024)
Lifestyle-related disease prevention and cancer control ・Treated Medical checkups (secondary examination) as work time 1.5 million yen *5
・Provided general and specific health guidance during working hours 26.7 million yen *6
・Assisted the cost of physical examinations and cancer screenings 36.8 million yen *7
・Implemented measures (e.g., e-learning) to improve health literacy
・Held Health management event jointly with our business partner
・Supported for improving exercise habits and eating habits through the Health Portal 2.8 million yen *4
・Ran walking events to establish exercise habits and health events hosted by employees 1.8 million yen *4
Smoking cessation assistance ・Support for smoking cessation challenge 2.9 million yen *4
・Nicotinel patch cost assistance 0.02 million yen
・No smoking during working hours
Countermeasures against infectious diseases ・Influenza Virus Vaccine Mass Vaccination and Cost Assistance 7.9 million yen *3,4
Support for work-life balance ・Maintenance of various paid leave
・Partial paid parental leave 4.0 million yen *5
・Life support leave(leave for fertility treatment) 0.2million yen *5
Creating an attractive workplace ・Conducted employee awareness survey 14.6 million yen
・Support for improving communication in each department 22.6 million yen
Initiatives for Industrial Safety and Health ・Discussed and implement health management measures in collaboration with Hygiene Committee members 1.9million yen *4
・Implemented office safety and health status checks (air volume, CO2 levels, illumination, humidity, etc.)
・Announce of health information at the Hygiene Committee (industrial physicians, public health nurses, and health committee members)

*3 Including the number of points awarded

*4 Convert the number of points awarded from the initiatives into a monetary amount (1P = 1yen)
Total health points, including measures in the table, are 20.8 million yen

*5 Average hourly wage × total hours taken

*6 Expenditure of general and specific health care guidance

*7 Total expenditure of medical checkup

  • 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

Health Issues "Smoking Rate of Employees"

The smoking rate has decreased compared to the past. However, it is still high. The smoking habit can be a risk factor for various health problems. The smoking rate must therefore be reduced.

Supporting employees' efforts to quit smoking in cooperation with employers, industrial physicians, and ACOM Health Insurance Association

  • Regular incentives for nonsmokers and non-smokers (health points)
  • Disseminating information on the health hazards of smoking through the Health Committee and the company intranet/email
  • Promoted anti-smoking by displaying posters on World No Tobacco Day
  • Nicotinel patch cost assistance

Achievements and Targets regarding Health and Productivity Management

Status of Health Management Initiatives Unit FY2019 FY2020 FY2021 FY2022 FY2023 Targets
Ratio of employees who went regular health checkups % 100.0 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
Ratio of employees who went stress checks % 93.8 94.7 93.0 96.9 96.4 97.0
Ratio of physician interviews conducted % 14.8 13.4 16.7 17.5 19.5
Participation in initiatives for employees*8 % 96.6 97.9 97.9 73.4 80.0 100.0
Retention rate of general health guidance % 33.8 28.5 38.5 34.8 34.5
Implementation rate of specific health guidance % 93.8 93.1 96.2 94.6 99.0 88.0
Participation in Measures Related to Women's Health Issues Persons 84
Employee satisfaction with each initiative % 91.3
Average number of overtime hours worked per month Hours 20.4 19.0 20.2 21.0 20.4
Ratio of paid leave taken 74.3 72.4 71.0 80.0 83.5 80.1
Influenza vaccination rate (insured persons) 35.6 85.0 73.3 66.0 66.5 50.0
Influenza vaccination rate (dependents) 48.2 49.3 39.5 19.6 34.8

*8 Percentage of health point registrants

Changing employees' awareness and behavior, etc. Unit FY2019 FY2020 FY2021 FY2022 FY2023 Targets
Ratio of exerciser % 17.6 20.2 19.9 20.0 21.4 22.0
Smoking rate % 30.5 26.9 25.4 24.4 24.7 22.0
Retention rate of treatment % 12.0 12.8 14.2 15.0 16.2
Status of Employee Health Literacy *9 % 99.3 93.8 100.0
Ratio of appropriate weight % 68.5 67.5 67.8 67.8 66.3
Ratio of Findings % 42.7 43.5 42.1 41.1 41.7
High stress rate % 12.5 12.8 14.8 14.6 13.9

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

The Ultimate Goal of Health and Productivity Management Unit FY2019 FY2020 FY2021 FY2022 FY2023 Targets
Attrition rate % 3.0 2.9 3.0 3.5 3.3 3.5
Status of leave due to injury and illness Persons 37 28 37 43 40
Absenteeism *10 % 0.21 0.22 0.25 0.41 0.50 Not exceeding
1.00
Presenteeism *11 % 35.8 34.5
Status of work engagement *12 deviation value 57.9 53.6 57.1 58.8 59.7 More than
61.0

*10 Absenteeism: Individuals who absent from work or take leave due to physical or mental health problem. Number of days absence or sick leave due to physical or mental problem
Total number of working days in direct employment×100

*11 Presenteeism is a condition in which productivity is reduced because of health problems. The lower the number, the higher the productivity.
The WHO-HPQ formula was used to administer the survey to 2,448 employees (96.4% response rate). The target value is the overall average.

*12 Employee engagement surveys that regularly measure employee expectations and satisfaction and observe the state of engagement in the organization at a fixed point. In fiscal year 2023, the survey was conducted for 2,322 employees. (Response rate : 97.5%)

Work-Related Safety and Health Unit FY2019 FY2020 FY2021 FY2022 FY2023 Targets
Work-related accidents Accidents 1 2 3 0 2 0
 Resulting in leave Accidents 0 0 0 0 0 0
Commuting related accidents Accidents 7 4 6 1 3 0
 Resulting in leave Accidents 0 1 1 0 0 0
Frequency rate 0.0 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."

Supporting a Balance Between Work, Child-rearing and Nursing

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.

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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