Initiatives for the environment Development of environment-related businesses

By offering an environmental rating loan program and environmentally responsible loan products and actively engaging in renewable energy projects, we strive to preserve the abundant nature of the region for the next generation. We also work to improve the effectiveness of conservation activities with credit screenings that take into our business partners’ achievements to address environmental conservation.

We also provide funding, jointly establish solar, wind, biomass, and geothermal power plants, and invest in the Kagoshima Renewable Energy Fund.

Environmental rating loan program and environmentally responsible loan products

Corporations

Name of system / product Details Providing company
Higin Environmental Support Loan This product provides preferential interest rates for businesses registered under the SDGs registration system in Kumamoto Prefecture or those under contract for SDGs consulting services with Higo Bank, for financial products to provide funding for environmental considerations, decarbonization, etc. Higo Bank
Kumamoto Green Guarantee System This product provides preferential interest rates to businesses working on environmental protection by obtaining an ISO certification, purchasing low-emission company vehicles, installing new energy equipment, and recycling equipment. (Utilize the Kumamoto credit guarantee association guarantee system) Higo Bank
Interest subsidy related to energy-saving capital investment This product supports ESG investment by customers such as energy-saving capital investment implemented by the Ministry of Economy, Trade and Industry having high energy consumption efficiency and capital investment to improve unit energy consumption. Higo Bank was selected as a designated financial institution. Higo Bank
Cost subsidies such as for projects to reduce carbon dioxide emissions
(ESG Regional Finance Interest Subsidy Program)
This product supports ESG investment by customers such as for projects to reduce carbon dioxide emissions implemented by the Ministry of the Environment. Higo Bank was selected as a designated financial institution. Higo Bank
Loans for renewable energy business operators Aiming to provide the necessary funding smoothly for an operator to start a renewable energy business, a loan is provided using accounts receivable for the power supplied by the operator’s power supply company and power generating equipment as collateral. Kagoshima Bank
Kagin / Environmental rating loan Aiming to continuously facilitate environmentally responsible management by a company, this type of financial support evaluates a company’s environmentally responsible management with an environmental rating and attempts to advance and enhance such management. Kagoshima Bank
Kagin SDGs promotion loan This loan takes a portion of Kagoshima Bank’s interest income to donate to local municipalities and organizations specified by those who use this product to solve various regional issues. Kagoshima Bank

Individuals

Name of system or product Details Providing company
Higo Bank auto loan / eco plan This product offers preferential interest rates to those who purchase a hybrid car and are good drivers. Higo Bank
Housing loan “Higo Yuiku Plan” This product offers preferential mortgage rates for those who are applicable, such as using materials originating in Kumamoto to build their home, installing a solar power generation system, having two or more children under the age of 18, and living with their parents. Higo Bank
Solar power generator renovation loan This loan gives a 0.1% discount on the borrowing rate for renovation funds, including the installation of a home solar power generation system. Kagoshima Bank