Harmoney Corp Limited Sustainability Profile
Harmoney Corp Limited, commonly known as Harmoney, is a leading peer-to-peer lending platform headquartered in New Zealand. Founded in 2014, the company has rapidly established itself as a key player in the fintech industry, primarily focusing on personal loans and investment opportunities. With a strong operational presence across New Zealand and Australia, Harmoney has revolutionised the way individuals access credit by offering a streamlined, digital-first approach. The company's core services include personal loans, which are characterised by competitive interest rates and a user-friendly application process. Harmoney's unique model connects borrowers directly with investors, fostering a transparent lending environment. As a pioneer in the sector, Harmoney has achieved significant milestones, including being the first peer-to-peer lender to receive a full licence from the Financial Markets Authority in New Zealand, solidifying its market position and commitment to regulatory compliance.
DitchCarbon Score
How does Harmoney Corp Limited's carbon action stack up? DitchCarbon scores companies based on their carbon action and commitment to reducing emissions. Read about our methodology to learn more.
Industry Average
Mean score of companies in the Financial Intermediation industry. Comparing a company's score to the industry average can give you a sense of how well the company is doing compared to its peers.
Industry Benchmark
Harmoney Corp Limited's score of 31 is higher than 50% of the industry. This can give you a sense of how well the company is doing compared to its peers.
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Harmoney Corp Limited's reported carbon emissions
In 2021, Harmoney Corp Limited reported total carbon emissions of approximately 4,520,000,000 kg CO2e, with Scope 2 emissions from purchased electricity accounting for about 3,930,000,000 kg CO2e. This marked an increase from 2020, when total emissions were about 3,940,000,000 kg CO2e, with Scope 2 emissions at approximately 3,454,000,000 kg CO2e. The company has not disclosed any Scope 1 or Scope 3 emissions data. Harmoney has not set specific reduction targets or initiatives, as indicated by the absence of documented reduction targets or commitments to the Science Based Targets initiative (SBTi). The lack of climate pledges further highlights the need for enhanced climate action within the organisation. The emissions data is not cascaded from any parent company, indicating that Harmoney Corp Limited operates independently in its reporting. The company’s emissions intensity for Scope 1 and 2 combined was reported at 183.0 kg CO2e per tonne for the cereals category in 2021. Overall, while Harmoney Corp Limited has significant emissions, it currently lacks defined climate commitments or reduction strategies, positioning it within an industry context that increasingly prioritises sustainability and carbon neutrality.
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| 2017 | 2018 | 2019 | 2020 | 2021 | |
|---|---|---|---|---|---|
| Scope 1 | - | - | - | - | - |
| Scope 2 | 4,049,000,000 | 0,000,000,000 | 0,000,000,000 | 0,000,000,000 | 0,000,000,000 |
| Scope 3 | - | - | - | - | - |
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Harmoney Corp Limited's Climate Goals (2030 & 2050)
Climate goals typically focus on 2030 interim targets and 2050 net-zero commitments, aligned with global frameworks like the Paris Agreement and Science Based Targets initiative (SBTi) to ensure alignment with global climate goals.
Harmoney Corp Limited has not publicly committed to specific 2030 or 2050 climate goals through the major frameworks we track. Companies often set interim 2030 targets and long-term 2050 net-zero goals to demonstrate measurable progress toward decarbonization.
