Products and Services

ACSI currently delivers micro-finance activities including, credits, savings, micro insurance, money transfer, and fund management.

Credit delivery : This activity, which again comprises various products such as group loans, micro-bank individual loans, and asset loans delivered to economically active poor people involved in income generating activities.

Saving mobilisation There are two kinds of saving products (Compulsory Savings (exclusively for loan clients) and Voluntary Savings) that ACSI provides for loan clients as well as for the public at large. The savings services are designed with the aim of instilling the culture of modern saving, reducing the high propensity to spend economic surplus on social and religious activities in pursuit of more efficient utilization for income expansion and poverty reduction activities in the region.

Microinsurance: Life insurance services delivered to group loan clients for the purpose of protecting risks of default and the associated debt burdens problems of group borrowers and the family of a demised client.

Money transfer: ACSI is also involved in the business of local money transfer, particularly to institutions.

Fund management : ACSI serves as local agent of fund management at grassroots level where it has sub branches, including for pension and social security Authority to disburse pension for retired government employees. ACSI has organizational advantage in this respect, having offices at Woreda (district) level and even beyond.