Careful screening is required by LO and BM to ensure that target members are included and others are identified and denied membership. LO must collect family and other general information on the members that are interested in forming a group, and BM must verify and give final approval before a group is formed.

The
informal group is the fundamental delivery mechanism for ASA credit and savings services. ASA groups average 20-30 female members that gather weekly for development education lessons, receive and repay loans, and deposit savings.

Ultimately, ASA's 'Self-reliant Development Model' is only successful if its beneficiaries become self-reliant themselves. To achieve this, a beneficiary needs to continuously invest and re-invest in small businesses for 10 years or more in order to accumulate adequate funds and participate in group meetings in order to firmly establish a sense of self-worth. Keeping in mind the long-term impact of ASA's development initiative, the organization concentrates on bringing changes in the behavioral pattern of the beneficiaries.

ASA concentrates on
two region for scaling up the confidence levels of rural disadvantaged women. One area is motivation for self-development through leadership roles performed by the group members themselves. The other is the creation of a suitable environment for the realization of self-development and a rise in standard of living through life-centered education sessions at group meetings.

Through this process, the initial and subsequent investments turn overconsiderable profits leading to a quite stable long-term economic position for the investor, and overall living conditions improve remarkably. Savings over 5 years along with the accumulated profits as a supplement to the main family income goes a long way in achieving family self-reliance.


target members | informal group | two regions |