Case Study

The Amhara Credit and Saving Institution (ACSI): Institutional Profile, Current Status and Future Strategy

How does Amhara Credit and Savings Institution plan to balance its goals of impact & sustainability?
Download 23 pages

This paper discusses the following features of Amhara Credit and Savings Institution (ACSI):

  • History, vision, mission, values, principles, and objectives;
  • Rationale for its rural/agricultural focus;
  • Ownership and governance, which include:
    • Organizational structure;
    • Client sense of ownership;
    • Control system;
    • Management information system.

The paper also studies the following:

  • Products: credit, savings, money transfer, and pension fund management;
  • Targeting principles for financial services;
  • Operational modalities in terms of:
    • Loan size;
    • Group lending;
    • Repayment period and frequency.
  • Worth, cost, depth, breadth, length, and scope of outreach.

The paper presents ACSI's financial performance in terms of:

  • Profitability: operational and financial sustainability;
  • Efficiency: administrative and labour efficiency;
  • Loan portfolio analysis repayment rate, liquidity management;
  • Interest rate analysis.

Discussing the future strategy, the paper highlights ACSI's:

  • Product, client, and methodological diversification;
  • Credit with education.

The paper concludes with a look at the challenges that ACSI faces, like the lack of:

  • Skills;
  • Demand for non-traditional activities;
  • Credit for women;
  • Infrastructure;
  • Trained manpower.

About this Publication

By Dar, B.
Published