Transforming Lives and Communites

Making a real positive change to living

In the real estate industry, where discussions increasingly revolve around social and environmental concerns, Pensio Global (Pensio) stands as a beacon of commitment to actively shape a more sustainable future for property owners, property managers (landlords), and tenants alike.

In 2015, UN Member States collectively embraced seventeen Sustainable Development Goals, uniting in their pursuit to safeguard the health and well-being of both the planet and its inhabitants. Aligned with these UN objectives and recognizing the urgent need to attain them, Pensio Global embarked on a bold and unique action plan in 2023 to contribute significantly to these global aspirations.

Monitoring economic indicators (KPIs) is crucial as it aligns with our mission to provide targeted support and institutional-level reporting. Understanding people's economic situations allows us to tailor effective solutions, fostering financial stability and positively impacting lives. It reflects our commitment to delivering impactful and relevant services that address real-world needs.

We care about people's economic situation.

Addressing a void around residential tenant qualifications and security deposits, Pensio has developed unique solutions. While our focus is specifically on tenant qualifications and cashless security deposits, our strategic approach has a broader impact. In 2016, four billion people lacked social protection, and Pensio responded by empowering tenants and their families. Our safety net, tailored for challenges in qualifications and security deposits, not only bridges a critical gap but also significantly reduces evictions. This focused strategy actively reshapes the narrative around tenant qualifications and cashless security deposits, making Pensio an industry leader for support and stability in the housing landscape.

Pensio focuses on keeping families in their homes.

In essence, we strive to build communities where housing catalyzes broader life success. We prioritize opportunities in selective housing because it's more than just shelter – it's about cultivating sustainable and fulfilling lives in a social environment conducive to finding decent employment. Access to stable employment not only supports financial well-being but also enhances overall quality of life. Our focus contributes to affordable and quality housing, fostering stability and positive personal and economic growth.

We care about people finding decent jobs?

By transforming tenant qualifications and promoting affordable renting, our goal is to broaden living opportunities and availability. Our tenant qualification process is designed to prioritize factors such as consistent rent payment history over traditional credit scores, recognizing that financial challenges can be unrelated to housing stability.

Through selective housing and evolved tenant qualification criteria, we empower people to live in the right social settings, secure the right employment and foster personal growth. This comprehensive approach ensures that our initiatives not only provide shelter but also contribute to creating an environment where individuals can thrive, striking a balance between housing stability and broader life opportunities.

We reshape tenant qualifcation standards and foster opportunity

Prioritizing housing infrastructure and innovation is vital for stable communities. A well-maintained and innovative housing environment directly impacts residents' quality of life, ensuring security and continuity. Our commitment extends to building a robust support system, enhancing the move-in process for tenants, fostering understanding and connection. This support system enables tenants to grasp the value of their rental spaces, contributing to tenancy longevity and positive community dynamics. Dedication to housing innovation ensures adaptive solutions for evolving needs, forming the foundation for thriving individuals and resilient communities. In essence, focusing on housing infrastructure is central to creating enduring and supportive living environments.

Why do we care about infrastructure?

Through the partnerships established with landlords and tenants, we prioritize an innovative housing environment that directly influences residents' quality of life, offering security and continuity. In our partnership with your landlord, we actively engage in the governance and management of the apartment you reside in, as a tenant. Our commitment extends to building a robust support system, enhancing the move-in process for tenants, and fostering understanding, communication and connection. This support system allows tenants to appreciate the value of their rental spaces, contributing to the longevity of tenancies and a positive community environment. Our dedication to housing innovation ensures adaptive solutions for evolving needs, forming the foundation for thriving individuals and resilient communities.

With Pensio we are innovating a new landlord-tenant relationsips

We prioritize addressing inequality to foster a just and equitable society. We recognize the pervasive impact of disparities based on various factors and actively work towards reducing these inequities. By caring about and addressing inequality, we contribute to creating a more inclusive and harmonious community where individuals have equal opportunities and are treated with fairness and dignity. In essence, our commitment to tackling inequality aligns with our vision of building a society that values and uplifts every individual, regardless of their background or circumstances.

We care about inequality.

Living paycheck to paycheck exposes tenants to inequalities, especially in the face of life's uncertainties and the looming risk of eviction. This precarious situation amplifies disparities rooted in income, sex, age, disability, sexual orientation, race, class, ethnicity, religion, and opportunities. Fostering a more equitable society necessitates addressing these challenges, and Pensio actively contributes by recognizing the importance of a consistent rent payment history over the credit score. Emphasizing responsibility amid financial challenges, Pensio's approach aligns to mitigate deeply entrenched inequalities in various aspects of individuals' lives by rewarding good rent payment behavior.

We reduce inequalities related to qualifcation, lack of financial resources or eviction

The consequences of poorly planned urbanization have far-reaching impacts on every citizen, manifesting in unrest, insecurity, and pollution. Such conditions detrimentally affect the physical and mental health of individuals and subsequently impact workers' productivity, thereby influencing the overall economy. In our partnership with you and your landlord, we actively engage in the governance and management of the apartment you reside in, as a tenant. Advocating for the type of unit you deem necessary, we collaborate to develop a vision for your apartment, building, street, and neighborhood, and work towards realizing that vision. This ensures a proactive approach to enhancing the quality of living and fostering a sense of community well-being.

We care about sustainability.

Through the partnerships established with landlords and tenants, we prioritize the provision of quality, habitable apartment units. Our commitment to sustainability reflects a choice to contribute to the development of cities where every citizen enjoys a decent quality of life, actively participating in the city's productive dynamics. This approach fosters shared prosperity and social stability without compromising the environment, emphasizing the importance of responsible urban development.

We select properties to create an environment that is safe, inclusive, resilient, and sustainable.

Even the most advanced democracies grapple with significant hurdles in tackling corruption, crime, and human rights violations within their borders. Our commitment is to foster a secure and peaceful environment for our tenants, landlords, and the broader society. We actively promote inclusion and respect for individuals of diverse ethnic origins, religions, gender, sexual orientations, and varying opinions. Through collaborative efforts, we aspire to contribute to the enhancement of conditions that allow for a life of dignity for everyone.

We care about peace and strong institutions.

People worldwide should have the freedom to live without fear of any form of violence, feeling secure as they navigate their lives, regardless of their ethnicity, faith, or sexual orientation.

With Pensio we promote peaceful and inclusive societies for sustainable development.

ESG and Social Impact Statement

Pensio proactively adapts to evolving client and market priorities by integrating Environmental, Social, and Governance (ESG) initiatives into an actionable, performance-based business strategy. The integration of Pensio into leasing and tenant management empowers businesses to define and implement new ESG Key Performance Indicators (KPIs), with a specific focus on social metrics. This approach provides a comprehensive view beyond traditional financial indicators.

Real-time monitoring of these metrics enables accurate assessment and timely interventions, fostering strategic alignments. This not only meets stakeholder and investor expectations but also contributes to long-term enterprise value creation for your business. By driving positive social ESG outcomes beyond immediate financial gains, Pensio aims to make a meaningful impact on both the real estate industry and broader societal well-being.

Pensio’s Commitment Goes Beyond ESG Compliance

Pensio emphasis on social performance metrics ensures a holistic evaluation of the company's impact on communities, employees, and stakeholders, paving the way for the creation of impactful stakeholder value. This approach not only satisfies socially responsible investors but also positions the business as one prioritizing sustainability and ethics, enhancing its reputation and fostering stakeholder trust.

In essence, Pensio's commitment goes beyond ESG compliance; it represents a strategic dedication to sustainability and responsible business practices for long-term success. Through real-time ESG KPIs and social performance metrics, Pensio equips clients to navigate investor expectations while fostering positive societal and environmental impact. This integrated approach not only aligns with global sustainability goals but also underscores the companies' commitment to driving positive change within the real estate industry and beyond.

Our Commitment Goes To Change

At Pensio, our commitment extends beyond providing assured rent payments to landlords. We are dedicated to creating a positive social impact within the real estate sector. Our tenant qualification process is designed to prioritize factors such as consistent rent payment history over traditional credit scores, recognizing that financial challenges can be unrelated to housing stability.

Moreover, our innovative cashless security deposit structure aims to reduce financial barriers for tenants, allowing them to manage their finances more effectively. We understand that many tenants face challenges meeting deposit requirements, and our approach is geared toward fostering financial well-being.

By focusing on these principles, we not only provide landlords with a reliable income stream but also contribute to the stability of rental markets. This, in turn, supports our broader mission of creating vibrant and sustainable communities. Pensio is committed to addressing the needs of both property owners and tenants, ensuring that housing is not just a transaction but a positive force for societal well-being.

Changing the Way We Measure a Tenant's Qualifications

Our tenant qualification process stands apart as it does not solely rely on credit scores. Instead, it places a stronger emphasis on rewarding rental history behavior. This is at the core of Pensio's vision which embraces our conviction that every individual should have access to secure and safe housing.

Our rental history behavioral approach acknowledges that individuals may face credit-related issues outside of their housing commitments and values their long-term rent and housing behavior over their overall credit history. Even those with low credit scores, stemming from non-housing factors such as car loans or credit lines, can be approved based on a consistent and dependable rent payment history spanning the past three years.

By challenging and rectifying the overuse of credit scoring in rental home management, we aim to tip the playing field in favor of those with good rent payment history. It is crucial to distinguish between tenant qualification based on overall credit behavior and our position, which advocates for a set of qualification standards excluding credit history. We firmly believe that this shift will reduce eviction incidents. This conviction is the driving force behind providing landlords with risk management services and guarantee products, fostering a removal of credit scores as a factor for approval and replacing it with a more impactful set of qualification standards. When tenants are approved to rent through this approach, they are better positioned to meet their obligations, removing barriers, and understanding tenant behavior is our overarching goal—a significant step toward positive social impact.

Our role extends beyond that of a mere risk management service and guarantor; we are a driving force for positive change in the lives of tenants. Through our platform, tenants not only secure affordable and accessible cashless security deposits—providing significant relief, often saving them thousands of dollars—but also benefit from a distinctive tenant qualification process.

This proactive strategy endeavors to create a meaningful difference in the lives of both tenants and landlords, fostering a profound sense of security and stability that transcends the transactional aspects of renting.

Our holistic approach seamlessly aligns with our vision of creating enduring positive impacts in the realm of housing accessibility. By addressing housing access issues and alleviating the pressures of eviction through innovative services, Pensio aspires to contribute significantly to the development of vibrant and sustainable communities.

Cashless Security Deposits: A Step Towards Affordability

Our AssuredTenant product eliminates the need for traditional security deposits, reducing the financial burden on tenants during the initial stages of their lease. This innovative approach enhances housing affordability and accessibility, particularly for those facing a lack of current financial resources. By embracing cashless security deposits, Pensio contributes to breaking down financial barriers to housing, making it more inclusive for a diverse range of individuals and families.

Redefining What Makes a Tenant Qualification to Rent

Landlords can confidently rely on the support of our comprehensive risk management services and guarantees. We have redefined tenant qualifications, moving away from undue reliance on credit scores and prioritizing rental history behavior as a primary qualification factor. We acknowledge that the circumstances faced by tenants, including the reality of living paycheck to paycheck for nearly 80% of them, do not necessarily mirror their housing behavior.

With insights derived from over 20 years of industry analysis, we have consistently observed that a tenant's unwavering commitment to their housing obligations is often reflected in a consistent rent payment history. This holistic approach not only empowers landlords with valuable insights into the unique qualities each tenant brings to the community but also fosters an inclusive environment that values stability and reliability over traditional credit assessments. With our risk management services and guarantees, we provide landlords the assurance they need to navigate this tenant-focused paradigm shift, promoting a sense of unity and cooperation within the community, where empathy and mutual support thrive.

Positive Impact

Choosing Pensio is not just a business decision; it's a shared commitment to positive social impact for landlords and tenants alike. By embracing our approach of redefining tenant qualifications and moving away from undue reliance on credit scores, we are collectively contributing to building a future where housing becomes a source of stability, dignity, and empowerment for everyone. Landlords benefit from the support of our risk management services and guarantees, allowing them to confidently navigate this paradigm shift. Tenants, on the other hand, gain access to affordable and accessible cashless security deposits, coupled with a unique tenant qualification process that values their housing behavior over conventional credit assessments. This shared commitment creates a ripple effect, fostering a more inclusive and sustainable housing ecosystem where the well-being and empowerment of individuals are prioritized.

In this endeavor, we all have to remember that every shoe fits on every foot, emphasizing the need to recognize tenant behavior in the context of their housing commitments. This understanding forms the basis of our holistic approach, ensuring that our efforts resonate with the diverse needs of both landlords and tenants. The positive impact extends beyond transactions, creating a community where stability, dignity, and mutual support thrive, making housing a force for positive change in the lives of all involved.

Our Impact on Dimension Objectives

1. Key Performance Indicators (KPIs) - Tracking Impact Effectively

To gauge the impact on primary stakeholders, Pensio will monitor the following key performance indicators (KPIs):

Percentage of tenant applicants qualifying under Pensio qualifications
Eviction rates among Pensio tenants
Utilization rate of Pensio product services and rent assistance options by Tenants.
Number of tenants with credit score challenges successfully qualified by Pensio.

2. Contribution - Setting Benchmarks for Positive Change

Pensio's contribution to social impact will be assessed against industry averages, allowing us to showcase the depth of its influence over time. By comparing our KPIs to market standards, we aspire to underscore the positive influence Pensio has on both landlords and tenants, setting a benchmark for enhanced housing stability.

3. Risk - Proactive Design and Comprehensive Risk Management

Pensio has undergone meticulous design utilizing actuarial underwriting and methodology to maintain a balanced product cost-to-risk ratio. All nine traditional impact risks have been thoughtfully considered in Pensio's design and administration. This proactive approach ensures swift reactions and potential adjustments throughout the platform's growth and evolution, securing sustained positive outcomes for all stakeholders.

How Do We Measure Effectiveness

1. Default Reduction:

Metric: Percentage reduction in default or delinquency rates.
Methodology: Regularly compare the current default or delinquency rates with historical data to assess the effectiveness of our risk management and support services in reducing defaults and delinquencies.

2. Eviction Reduction:

Metric: Percentage reduction in eviction incidents.
Methodology: Track and analyze eviction rates over specified periods, considering factors such as successful rent payments and utilization of social impact services. Regular reports will showcase the impact of our initiatives on preventing evictions.

3. Rent Deposit Barriers:

Metric: Successful qualification rate with credit score challenges.
Methodology: Monitor the number of tenants successfully qualified without credit score hindrances. By assessing the removal of traditional qualification barriers, we can ensure a more inclusive tenant approval process.

4. Social Impact Goals:

Metric: Utilization of Pensio product services and rent assistance options by Tenants.
Methodology: Measure how frequently tenants access and utilize social impact services provided through Pensio. This metric reflects our progress in fostering a positive social impact within communities.

ESG and Social Impact Objectives

At Pensio, our journey transcends traditional business paradigms. We are not merely a service provider; we are architects of positive social change within the real estate sector. Our commitment to Environmental, Social, and Governance (ESG) principles goes beyond compliance; it represents a strategic dedication to sustainability and responsible business practices for long-term success.

Fulfilling Objectives: Our primary objective is to proactively adapt to evolving client and market priorities by integrating ESG initiatives into an actionable, performance-based business strategy. We aim to empower businesses to define and implement new ESG Key Performance Indicators (KPIs), with a specific focus on social metrics, providing a comprehensive view beyond traditional financial indicators.

Objectives in Action: Through real-time monitoring of these metrics, we ensure accurate assessments and timely interventions, fostering strategic alignments that meet stakeholder and investor expectations. Our overarching goal is not only to deliver immediate financial gains but also to contribute to long-term enterprise value creation for your business.

Social Impact and Beyond: Our dedication to change is evident in our tenant qualification process, which challenges the overreliance on credit scores. We prioritize consistent rent payment history, recognizing that financial challenges can be unrelated to housing stability. Through our cashless security deposit structure and risk management services, we not only provide landlords with a reliable income stream but also contribute to the stability of rental markets and create vibrant, sustainable communities.

Holistic Approach: Pensio's holistic approach aligns with our vision of making housing a force for positive change. We redefine tenant qualifications, offering landlords valuable insights into the unique qualities each tenant brings to the community. This inclusive environment fosters unity, cooperation, and mutual support, addressing our objective of creating enduring positive impacts in the realm of housing accessibility.

Shared Commitment: Choosing Pensio is not just a business decision; it's a shared commitment to building a future where housing becomes a source of stability, dignity, and empowerment for everyone involved. In the grand tapestry of real estate, every shoe fits on every foot, symbolizing the diverse needs of landlords and tenants. Our efforts extend beyond transactions, creating a community where stability, dignity, and positive impact thrive.

Together, we are shaping a housing ecosystem that values the well-being and empowerment of individuals, making a lasting contribution to the lives of all those touched by Pensio. As we fulfill our objectives and drive positive change, we invite you to join us on this transformative journey towards a more sustainable and socially impactful real estate industry.