Prioritising our clients

At ASA International, our clients are at the heart of everything we do. We focus on empowering individuals and communities through fair, transparent, and responsible financial services.

Fostering financial inclusion

We make financial services accessible, affordable, and simple. Our model is built on:

  • No collateral required
  • Doorstep service
  • Transparent pricing
  • Group-based lending without joint liability

We are also expanding digital solutions to improve efficiency and access.

Our impact in numbers

See the key figures on the right, which highlight client trust, satisfaction, and our social performance.

80%

Client retention rate

84%

Client satisfaction rate

85%

Social Performance Indicator ('SPI')

Empowering through responsible lending

Responsible lending is central to our mission. Our loan officers ensure products meet client needs and repayment capacity, helping to prevent over-borrowing.

We are committed to:

  • Fair, transparent loans with no hidden fees
  • Financial education so clients can make informed decisions
  • Strict data protection to safeguard client information
  • Upholding Client Protection Principles, ensuring fairness, accountability, and transparency
  • Listening and responding through open feedback channels

More details on how we prioritise our clients on page 55-56 of our 2025 Annual Report