MuniFin is the second largest credit institution in Finland. We are the only lender focused on the financing and financial risk management of the municipal sector and non-profit housing companies. We have the most satisfied customers within the financial services sector in Finland.
Finland is one of the few countries to successfully combine extensive welfare system with high competitiveness. The decision-making and deliverance of welfare services are decentralised in order to secure the effectiveness of the public sector. The Finnish public sector is split into central and local governments; the municipalities are highly independent and have an unlimited right to levy taxes on their inhabitants.