Social performance management underpins ASAI’s model. It ensures consistency and enables effective regulation across all the offices in the countries where ASAI operates.

CODE OF CONDUCT

Our Code of Conduct and ethics are designed in a manner that is ethical, dignified, transparent, equitable and cost-effective and which expresses the core values of microfinance practice.

View our Code of Conduct

ANTI-BRIBERY AND ANTI-CORRUPTION POLICY

This policy is to combat improper payments or inducements and provide basic guidance to all our employees, wherever they are located. We operate a zero-tolerance approach to bribery and corruption, ensuring compliance with all applicable anti-bribery and anti-corruption laws and regulations, including the UK Bribery Act 2010.

View our Anti-bribery Policy

ANTI-MONEY LAUNDERING

Our Company and subsidiaries are strongly committed to preventing money laundering or any activity which facilitates money laundering, or the funding of terrorist or criminal activities in our operations.

WHISTLEBLOWING POLICY

We encourage our employees to report any activity that may constitute a violation of laws, regulations or internal policy. This policy is designed as a control to help safeguard the integrity of the Company and its business dealings.

HEALTH AND SAFETY POLICY

This policy ensures a working environment that is safe and without risk to the health and welfare of our employees and visitors. We monitor and control health and safety risks, regularly provide safety and awareness training to employees, take preventive measures and corrective action on workplace accidents/incidents and cases of work-related illness with emergency responses and reporting and maintain safe equipment and infrastructures at the workplaces. Each entity has formed a Health and Safety Committee and an integrated Occupational Health & Safety (‘OHS’) Checklist with Risk Categories to ensure regular supervision and monitoring of OHS throughout the Company.

CHILD LABOUR AND PROTECTION POLICY

We are committed to the protection of children who might be involved/affected directly or indirectly by our operations.

SEXUAL HARASSMENT ELIMINATION POLICY

We promote a safe work environment free from any harassment or any form of unlawful advances. We have a zero-tolerance policy towards harassment of any kind, particularly sexual harassment.

NON-DISCRIMINATION POLICY

One of ASA International’s core values is the promotion of inclusivity and diversity. Discrimination of any kind is not acceptable.

CLIENT PROTECTION PRINCIPLES (‘CPP’)

We are fully transparent in the pricing, terms and conditions of our loans. We adopted the CPP to consider client protection in all that we do. CPP describes the minimum protection that microfinance clients should expect from their providers, and also the protection that an institution should maintain to serve the best interests of its clients. The CPP were developed by SMART Campaign, a leading industry body in the financial inclusion industry.

View our Client Protection Principles

CLIENT ECONOMIC YIELD (‘CEY’) SURVEY

We conduct a CEY Survey every year. The survey showed that also in 2019 our surveyed clients financially benefited from our loan programmes. The survey samples approximately 1% of total clients on their third or higher loan cycles. See KPIs on page 27 of the Annual report.

SOCIAL PERFORMANCE INDICATORS TOOL (‘SPI4’)

All entities use SPI4, one of the most widely used social assessment tools for microfinance institutions. SPI4 helps microfinance institutions evaluate their implementation of the Universal Standards for Social Performance Management, including the Smart Campaign Client Protection Principles.  See KPIs on page 27 of the Annual report.

EMPLOYEES AND CLIENT SATISFACTION SURVEYS

We conduct these on an annual basis. See KPIs on page 27 of the Annual report.

GRIEVANCE MITIGATION COMMITTEE (‘GMC’)

The staff grievance management mechanism allows employees to raise any work-related concerns or complaints to the GMC.

CLIENT COMPLAINT RESOLUTION

Through the Complaints Committee clients can provide feedback on our services or lodge complaints about inappropriate behaviour or treatment by any of the Group’s staff. This is facilitated through inter alia client complaint boxes in our branches.

View our Environment and Social Management System

View our Exclusion List