Our vision is a financial sector that offers responsible financial services to all people with equal ambition for excellence and quality.
AccessHolding’s mission is to operate a growing global network of responsible commercial banks and MFis in developing and transition countries that provide responsible financial services to low and middle income households and in particular to micro and small businesses.
In their countries of operations, our AccessBanks strive to be the ‘house bank’ (bank of choice) for micro and small enterprises, by offering all the financial services that they usually need. We believe that the MSE sector is vital for the development and diversification of the economy, the creation of jobs and the reduction of poverty.
The loans provided by our institutions are primarily based on an assessment of the borrower’s repayment capacity. Consumer loans are not a core product. As a consequence, providing financial services to our customers is personnel-intensive due to the small size of transactions and because small entrepreneurs in our countries of operations are usually not able to provide reliable financial data. This requires collecting information through company and household visits. The products and risk management technology were specifically developed to serve these sectors, which allows us to do this efficiently and profitably.
Our Banks and MFIs build-up longterm business relationships with customers based on responsibility and mutual respect. By doing so it promotes a savings culture and supports borrowers to build-up a credit history.
Shareholders, management and field staff in our institutions share strong corporate values, in particular:
- Open communication
- Performance orientation
- Social responsibility
- Environmental protection