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. |
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.