Raya’s transformative innovations across all its markets are fueled by its determination to promote sustainability in all its forms.
In 2004, Raya Holding was one of the first companies in Egypt to become a member of the United Nations Global Compact (UNGC). We have since been wholly dedicated to inspiring market entities to commit to fulfilling Sustainability Development Goals (SDGs), in line with the nation’s vision for 2030.
In an effort to grow sustainably, Raya crafted a five-year strategy in 2020 to help us become a better corporate citizen and to give back to the people and the communities that have been instrumental to our success over the years.
Raya Holding is committed to building a team of highly skilled and dedicated personnel. We believe that workforce diversity leads to better ideas, more innovation, and, ultimately, a more harmonious work environment.
Male Employees
Female Employees
Total Number of Employees
We strive to lead by example in all the industries we operate in. For this reason, we have tailored our policies to reflect economic stewardship by focusing on the following four pillars:
GHG Emissions (in 2022)
Total Energy Consumption (in 2022)
Total Water Withdrawals (in 2022)
We put careful consideration into choosing the sectors that we invest in. Our decision to invest in fintech and financial solutions for the underserved, unbanked population of Egypt was fueled by the desire to provide ways for unbanked individuals to become financially independent and economically self-sufficient.
Established in 2015, our subsidiary Aman Holding is a leading provider of e-payments, microfinance, and consumer finance solutions with reach in 20 governorates throughout Egypt.
Customers
Funding Portfolio
Governorates
Branches
Active Customers
Consumer Portfolio
Operating Stores
Point of Sale (POS)
My business is a bakery and patisserie that has been operational for four years now. We bake biscuits and kahk. I applied for financing after learning about Aman. I met with an employee and submitted my papers. I received my facility after a couple of days through the branch then used the loan to purchase equipment and expand my business. I bought display stands, a trolley, and trays. The business developed well thanks to the loan. I pay back the loan through the Aman POS at the nearby supermarket. This is more convenient for me since I am always at the bakery
Our Board of Directors provides guidance to our executive team and identifies and implements appropriate corporate governance practices to ensure transparency, accountability, and adequate internal controls. The Board also employs essential committees to fulfill its responsibilities and tasks.
Sustainability Report 2022
Sustainability Report 2021
Sustainability Report 2020
Sustainability Report 2018
Sustainability Report 2016