VIGA for Employers
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
5×
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.
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
Sources: Your Money Line/EBN 2025 · Valoir Research 2025 · PwC Financial Wellness Survey 2026 · ASA/Harris Poll 2025 · ACFE 2024 · Embroker 2025 · BrightPlan 2024 · BLS 2025 · Gallup/Univ. of Phoenix 2024
VIGA is a California 501(c)(3) nonprofit. EIN 42-2401101. Incorporated May 2026. All loans are zero-interest, zero-fee, and repaid exclusively through voluntary payroll deduction. See our legal structure.
Confidential — for employer use only.