Your employees are in financial distress right now
— and it is costing you more than you think.
VIGA Fixes This — At Zero Cost To You
The numbers your HR team needs to see
61%
of your employees are stressed about money constantly. Half say it directly hurts their work performance.
Your Money Line / EBN, 2025
3.3 hrs
per week — average employee time spent handling personal finances on the clock.
Valoir Research, 2025
$1.1T
lost in employer productivity each year to financial stress. Not a rounding error.
Valoir Research, 2025
5x
more likely to be distracted at work — financially stressed vs. financially stable employees.
PwC Financial Wellness Survey, 2026
64%
of employed adults plan a second job or side hustle this year. That attention belongs to you.
ASA / Harris Poll, 2025
$50B
lost to employee theft annually in the US. Financial desperation is the #1 cited driver.
ACFE 2024 / Embroker 2025
200%
of annual salary to replace a manager who left because they could not absorb a $500 emergency.
Gallup / Univ. of Phoenix, 2024
What financial distress does to your workforce
Distraction & Errors
An employee managing a shutoff notice cannot give you their full thinking. Cognitive bandwidth is finite.
44% distracted at work by finances (PwC 2026)
Turnover
Workers who can't absorb a $500 emergency leave for any employer that feels more stable. Replacement costs 200% of salary.
78% of HR leaders: stress drove higher turnover (BrightPlan 2024)
Side Jobs & Split Loyalty
32% of workers hold a side hustle consuming 20+ hrs/week. That energy and creativity is not coming to work.
5.4% hold 2+ jobs — highest since 2008 (BLS 2025)
Theft & Misconduct Risk
Desperation and dishonesty are directly linked. Economic pressure is the most reliably cited trigger for internal theft.
$50B in US workplace theft annually (ACFE 2024)
Predatory lenders charge
300–400% APR
VIGA charges
0% — always.
When your employee has nowhere to turn, the choice they make reflects on their life — and on the employer who could have helped.
VIGA ensures the answer is always: we helped.
VIGA ensures the answer is always: we helped.
What enrolling as a VIGA partner involves
What you do (5 things only)
✓Sign a simple 2-page payroll deduction authorization
✓Verify employment when an employee applies (5 min)
✓Configure the deduction in your existing payroll system
✓Remit batch ACH each pay period (automated)
✓Notify VIGA if an employee leaves before fully repaid
What we never ask of you
✗No financial liability — VIGA carries all lending risk
✗No credit decisions — those are ours alone
✗No knowledge of why the employee needs the loan
✗No collections involvement if a borrower defaults
✗No admin burden beyond the payroll deduction itself
$0
Cost to you
0%
Financial liability
10 min
To register
To enroll your organization:
Azhar Hameed — Founder & President
azhar@viga.org | 310-920-5858
viga.org
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