The Group’s values, practices and beliefs are linked to the vision of its founders, the strength of the ASA Model and the transparency of being a stock-listed Company.

FINANCIAL INCLUSION
FEMALE EMPOWERMENT
PREVENT OVER-BORROWING
The Group is driven by the mission to serve female micro-entrepreneurs in the lowest segment of society with little or no access to formalised credit. As women generally have good loan repayment behaviour and money management, the Group is convinced that by empowering women through business loans, the Group enhances these women’s independence and decision-making stature at home and in their communities. The Group’s loan officers not only assess the repayment capacity of a potential client, but also the earning capacity of the client’s business. They also assess how the Group’s loans could increase the client’s earnings.
SOCIOECONOMIC PROGRESS
COMPETITIVE PRICING
By providing working capital loans to women, the Group encourages the use of disposable income for the fundamental needs of the household, such as education, health, nutrition, sanitation and housing, which drive economic development. The Group regularly benchmarks loan interest rates against equivalent providers in its countries of operation and currently charges in a range from 23% to 50% per annum, depending on the country, product and loan term. The interest rates offered are generally similar to those offered by other lending institutions for the same duration and loan size.

THE COMPANY PROMOTES THE FOLLOWING PRINCIPLES IN ITS INTERACTIONS WITH PEOPLE:

Maintain integrity which includes being honest, trustworthy, consistent and open, as well as always acting in accordance with the highest ethical standards.

Show respect to others, actively listen, respond appropriately, work effectively with diverse peoples,
and be willing to learn from others.

Be accountable in responsibilities and committed to ensuring quality services, and find solutions through self-initiatives.