Internal Organization
ADB describes ASA as the “Ford motor model” of microfinance” because of its success in standardising low-cost microfinance in an efficient and sustainable way. This is due to its flat organizational structure that consists of just three tiers: a relatively small central office in Dhaka, district offices, and branch offices. The branch offices are their main arm through which their core loan products are disbursed. These branches report to the district offices, who in turn report to the head office.
This organization makes their processes efficient with few organizational breaknecks. Each of its 3,324 branches in Bangladesh is a self-sufficient unit, run by six people: a branch manager, an assistant branch manger, and four loan officers. The branch manager is given the liberty to approve all transactions within the branch, provided they meet the guidelines of a detailed operating manual. Each branch is a profit centre and is expected to fully recover costs between 9 and 12 months.
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