Who we are ASA Microfinance (Zambia) Limited (‘ASA Zambia’) is a subsidiary of ASA International Group plc (‘ASA International’ or ‘the Group’), one of the world’s largest international microfinance institutions offering socially responsible financial services to low-income, primarily female, entrepreneurs across Asia and Africa. ASA International owns and operates microfinance institutions, including deposit-taking microfinance banks, in India, Pakistan, The Philippines, Sri Lanka, Nigeria, Ghana, Tanzania, Uganda, Kenya, Rwanda, Myanmar, Zambia, and Sierra Leone. The Group is headquartered in Amsterdam, The Netherlands and Dhaka, Bangladesh and has a premium listing on the main market of the London Stock Exchange. Central to ASA International’s mission is enhancing financial inclusion and fostering social and economic development within the communities it serves. As of December 31, 2023, the Group operates over 2,000 branch offices and manages a gross loan portfolio exceeding USD ...