About us

The ASA Model

The ASA Model is a decentralised, standardised, and socially responsible microfinance approach. It combines cost efficiency and quick decision-making with high-touch client engagement. The model is easily replicable across markets and addresses client demand for savings, loans, and, increasingly, digital financial services.

Socially responsible business model

The ASA Model is a decentralised, standardised and socially responsible microfinance approach that allows for cost efficiency, quick decision-making, replicability, and high-touch client engagement, while addressing the demand for savings and loans, and over time, digital financial services.

Target ~1,400 clients per branch within a 15 km radius
Self-sufficient branches with on- and off-site supervision
Weekly or fortnightly loan collections and disbursements
Collateral-free, individual loans at market rates for income generation
c. 90% primary loans¹, with the remainder for small business/MSMEs
Progressive lending, with majority of loan repaid before new loan (20–50% increase)
Deposit growth, accelerated by new licences
Funding sourced locally through financial institutions, development banks and MFI funds

_{¹ Primary loans is the loan product with the smallest loan size for working capital purposes of the products we offer in a particular country.}