ASA Limited (also referred to as ASA Kenya) is incorporated under the Companies Act (Cap.486) of Kenya. It is an affiliate of ASA International (ASAI).
ASA International is a microfinance holding company registered in Mauritius (in 2007) whose mission is financially empowering the poorest and deprived population of the world through microfinance. ASA International is owned by CDC Group Plc (UK government body), stichting Pensioenfonds (ABP), Global microfinance Equity fund LP, Gray Ghost Microfinance fund LL, CMIMC ,Cushman Foundation ,Ipse (Nominees) Ltd, Omidyar Network Fund LLC Sapphire S.a r.I(Luxembourg), Reggeborgh Financiele Diensten B.V, ResponsAbility BOP Investments, ResponsAbility SICAV (Lux), SachsenFonds Microfinance Fund GmbH and Teachers Insurance and Annuity Association of America (TIAA) .Among the other renown institutional stakeholders we have Gates foundation-USA, OPIC (US government agency), Oiko Credit, Blue Orchard.[Read More]

ASA International currently has established microfinance operations in 11 countries in Africa & Asia i.e. Philippines, Sri Lanka, India, Pakistan, Nigeria, Ghana, Cambodia, Kenya, Tanzania, Uganda and Myanmar. In Ghana and Nigeria microfinance bank licenses have been acquired. We also have deposit taking license in Myanmar. New operation will begin in Rwanda, Zambia and Sierra Leone in 2016.
Each of these MFIs follows the ASA Model of Microfinance (A microfinance model developed by ASA Bangladesh that, due to its simplicity, standardization and high level of decentralization, is easily scalable and exceptionally efficient), adjusted to local circumstances, and operates under the ASA International brand and banner.
ASA Kenya launched operations in August 2013 and currently has 40 branches in 9 counties namely Nairobi, Kiambu, Machakos, Kajiado, Nakuru, Nyandarua, Laikipia, Makueni and Muranga. The company has a 5-year plan of up to 140 branches countrywide. ASA Kenya is managed by Kenyans with the help of a handful of Bangladesh nationals who have been seconded to the company from ASA Bangladesh. These individuals have between 15-22 years experience in implementing the ASA model of microfinance and are hired to offer technical assistance to local (Kenyans) staff, monitor and manage finance/funds on behalf of the directors.[Hide]

The Model

ASA Kenya, like all other entities owned by ASA International replicates the ASA model of Microfinance. ASA Model of Microfinance is a microfinance model developed by ASA Bangladesh. The model due to its simplicity, standardization and high level of decentralization, is easily scalable and exceptionally efficient.
The model has received international recognition. Through this innovative, cost-effective and sustainable microfinance approach, ASA Bangladesh achieved the status of the most efficient MFI in the world in 2007 as selected by Forbes magazine, USA in the first ranking of microfinance companies in the world . Besides, ASA won the Banking at the bottom of the pyramid award arranged by the Financial Times, London and International Finance Cooperation (IFC) 2008. It was once referred to as Ford Motor model of microfinance.


To be the preferred microfinance institution in Kenya

Core Values

To achieve our vision, ASA Limited will be guided by the following key principles:

  • Professionalism: Strictly abide by professional standards and procedures of service delivery.
  • Integrity & Accountability: To be accountable and transparent in service delivery.
  • Simplicity: To demystify credit and provide credit access to the poor and the marginalised.
  • Customer Focus: Ensure customer satisfaction.
  • Timeliness: Ensure prompt service delivery to our customers.
  • Teamwork: To maintain effective team spirit.

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