Walk in interview ASA Pakistan Ltd (Lahore , Okara , Faisalabad and Rawalpindi ) in punjab

Whom we are looking for

Experience Requirements

ASA Pakistan Ltd.
Microfinance Institution
Walk in interview ASA Pakistan Ltd.
Inviting self-motivated & young energetic people for the following positions :
Posting:
Qualification :
Graduate for (LO) & Intermediate for (JLO)
Age :
Not more than 30 years as on 30th November, 2018.
( Salary during probation period) :
LO(Rs,19140/-) JLO(Rs.17400/-)
Loan Officer (LO) / Junior Loan Officer (JLO)
Sindh and Punjab

Candidates who can drive bike will be preferred.
After Completion of probation (6 Months) applicable benefits as per company policy.
Please appear for Walk-in-Interview on below mention address between 9:00am to 12:00 pm.
Kindly bring your updated resume along with copy of CNIC and one recent photograph.
DO NOT send your resume through email or courier.
Result awaited should not apply.
ASA Pakistan Ltd. Rawalpindi Office: Wednesday 05 December, 2018. Address, House if P/1525, Asghar Mall Road OppositeOzon School System, Rawaipindi.Cell No: 03014245958 / 03014238179
ASA Pakistan Ltd. Lahore Office: Wednesday 05 December, 2018. Address # House no 02,Moulana Ahmed Ali Road Near DR.A.Q. Khan Hospital Yadgar Lahore. Cell No: 0301-8243834 / 0301-8242310
ASA Pakistan Ltd. Okara Office: Friday 07 December, 2018. Address, # Chungi # 07 Khalid town gali # 01 Tchsil and district Okara Okara.Cell No: 0301-8242547, 0301-8240603
ASA Pakistan Ltd. Faisalabad Office: Friday 07 December, 2018. Address,Main Korian Road opposite Ramdan Bazar Near Stop # 05 Sindhu Town Faisakthad.Cell No: 0301-8245958 / 0301-8243128 Website:
www.asapakistan.com
Description :
ASA Pakistan
ASA Pakistan Ltd. is a limited liability For Profit Company, incorporated under section 32 of the Companies Ordinance 1984 (XLVII of 1984) with Security & Exchange Commission of Pakistan “SECP” on March 19, 2008 (License No 0064827). It has duly obtained a nationwide Business Commencement Certificate from SECP on 28th July 2008 and commenced its Microfinance operation in September 2008. Keeping in view of the potential of microfinance products, and upon securing all due regulatory processes sponsors entered into Pakistan market with the active encouragement and support of the Board of Investment of the Pakistan Government.
ASA Pakistan is extending small amount of loans to poor and the down trodden segments with special focus to women in the backward areas who has no/less access to the traditional banking system due to lack of requisite collaterals. The landless and marginalized but skilled individuals are the main customers of ASA Pakistan. Loans are provided to the poor on personal guarantee basis to start income generating activities or expanding an existing business so that they can earn a decent living. Through its microfinance operations ASA Pakistan is contentiously creating employment and business opportunities for the poor and contributing in the poverty alleviation efforts of the Government.
In the span of 8.5 years of operation ASA Pakistan has successfully expanded its microfinance operations in 54 Districts throughout Pakistan. As of June 2017, it has established a network of 245 branches with 346,512 customers and PKR 7.603 billion loans outstanding while maintaining an exceptional repayment rate (99.72%). ASA Pakistan has created 1,718 jobs for Pakistani nationals who are directly working as regular employee.


Country Overview
Microfinance is still relatively new to Pakistan, both in concept and practice, and therefore it has a less developed microfinance sector than its Asian peers. While the sector has grown significantly in the last 8 years, it still has huge to do to reach the massive low-income segment of the market. Until 2000, the main providers of microfinance in Pakistan were NGOs and government sponsored rural support networks. With few exceptions, these institutions are generally not specialized in microfinance, nor have they demonstrated financial sustainability. Despite growing interest (both state and commercial) in the MF sector, there is still a notable lack of penetration and efficiency in the Pakistani MFIs market. The newer institutions are growing rapidly, but total outreach of these organizations is still around 7% of the estimated 30 million poor households in Pakistan that has the right of access to microfinance services. Furthermore, Pakistani MFIs are comparatively less efficient than their Asian peers.

Population Demographics Microfinance Demographics
Total Population Below Poverty Line(%) Rural(%) Urban(%) Estimated # MF Clients Currently Served Served(%)
167 Millions 32.6% 64.10 35.90 30 Millions 2.2 Millions 7.33
Board of Director
Mr. Md. Shafiqual Haque Choudhury, Chairman

Mr. Choudhury is one of the prominent microfinance leaders in the world having founded one of the largest MFI, ASA which serves 4.5 million poor households, 5.5 million members in Bangladesh through a sustainable program of providing cost-effective financial services. He also co-founded, Catalyst Microfinance Investors (CMI) and ASA International Holding, both registered in Mauritius as an equity investment company and holding company to accelerating the development of microfinance in Asia and Africa. He is also serving as he Chairman in all these three organizations. Besides this, he served as faculty member of Microfinance training in Boulder, USA and also a visiting fellow in Coady Institute at the Saint Xavier University. He also served as Former Advisor in the cabinet of Caretaker Government of Bangladesh (2006-2007) equivalent to ministerial position in-charge of Agriculture, Youth & Sports and Cultural affairs.
Mr. Dirk Brouwer - Board Member
Mr. Md. Enamul Haque - Board Member
Mr. Md Belal Hussain - Board Member
Mr. Md. Taufiqul Islam Chowdhury - Board Member
Mr. A.K.M Aminur Rashid - Board Member

Management
MR. Md. Farid Ahmed (CEO) - ASA Pakistan Ltd.
Mr. Md. Farid Ahmed joined with ASA Pakistan as Chief Executive Officer (CEO) on 29th of March 2017. Prior joining with ASA Pakistan Mr. Ahmed earned over 24 years of professional experiences in the field of Microfinance and Social development. He also earned 14 years+ overseas working experiences.
Mr. Ahmed started his career in microfinance with BRAC Bangladesh in 1992. Then moved to ASA (world renowned MFI based in Bangladesh) in 1996 as Assistant Director (Program) and was promoted to Deputy Director (Program) in 2007. Over 21 years association with ASA Bangladesh Mr. Ahmed have been deputed in different countries including Pakistan, Cambodia, China, Sri Lanka and in the Philippines (provided consultancy services to Microstart Project sponsored by UNDP-Philippines) and served in different capacities such as Executive Director, General Manager, Acting Chief Executive Officer, Deputy Chief Executive Officer, Consultant which enabled him to learned different microfinance environment.
Mr. Ahmed is experienced in corporate governance, compliance management, internal control, management information system, financial reporting, taxation, internal audit functions, antimony laundering issues and HR and administrative function. He also experienced in microfinance model design, product pricing, product diversifications, client protection principle, social performance management, monitoring system and tools development and portfolio quality management. He processed specialization in individual lending including developing policies, methodologies, promotion strategies, documentation process, tools, collateral/credit guarantees. Moreover, he possessed excellent interpersonal, analytical and organization skills and effective to direct, train and motivate staff to its fullest potential.
Mr. Ahmed was born on March 12, 1963. He obtained masters degree in Accounting in the year 1987 from the University of Rajshahi, Bangladesh.
Malik T. Hussain Awan – Deputy CEO
MR. KAMRAN HUSSAIN – CHIEF FINANCIAL OFFICER (CFO)
MR. AZIZ KAPADIA – COMPANY SECRETARY
MR. SYED MUHAMMAD AZHAR – HEAD OF IT
MR. TUFAIL RAJPAR – HEAD OF BUSINESS
MR. SHAHZAD AJMERY – HEAD OF HUMAN RESOURCES
MR. ASHOK KUMAR SHIVANI – HEAD OF COMPLIANCE
SYED MOIN AHMED ZAIDI – HEAD OF INTERNAL AUDIT
MR. JAWAAD ALI – HEAD OF RISK
Grievance & Complaint Committees
GRIEVANCE MITIGATION COMMITTEE “GMC”
ASA Pakistan has established a Grievance Mitigation Committee (GMC) to prevent its staff from any unjustified, unauthorized decisions of the management at all level and ensures respectful behavior by senior staff and safeguarding junior staff from irrational treatments, and establishing justice through appeal process.
The GMC is led by an impendent female who is not an employee of ASA Pakistan Ltd and the Head of Internal Audit Department is the member of the committee to ensure impartial investigation and justice at all level.
HOW TO LODGE COMPLAIN
Any employee who is facing any problem/injustice (official or personal related to working environment) can lodge a complaint to his/her immediate supervisor or higher authority in writing.
Complain to Head Office: via email at , Phone to#: 03018246979, and by Courier/Post: Head of HR, ASA Pakistan Ltd., Head Office, Office # 601 & 602, Block-A, 6th floor, Lakson Square, Building No # 3, RA Lines Karachi, Pakistan.
WHEN AND HOW TO LODGE AN APPEAL
If management did not provided any decision/judgment within 30 working days, or staff is not satisfied with the decision/judgment given by the authority, he/she can lodge an appeal to GMC at ASA-PK seeking further justice via email to .
Note: GMC policy and procedures are available in all the ASA Pakistan Branches for further information
CLIENT COMPLAINT RESOLUTION COMMITTEE “CCRC”
ASA Pakistan management has established Client Compliant Resolution Committee “CCRC”, where our valued customer can share their view points, raise complain out of any grievance and seek for justice.
WHO CAN COMPLIAN
Any client who is facing problem/injustice/delay in service/or un-acceptable behavior by ASA Pakistan staff.
HOW AND WHERE TO LOG COMPLAIN
Complain to Area Manager: Direct call to Area Manger (Mobile number is available in the Passbook) and submitting a written complain into the “Complaint Box” which is available at the Branch Office.
Complain to Head Office: via email at , Phone No#: 021-35210062, and by Courier/Post: Head of HR, ASA Pakistan Ltd., Head Office, Office # 601 & 602, Block-A, 6th floor, Lakson Square, Building No # 3, RA Lines Karachi, Pakistan.
Small Loan


Small Loan is a product which is sanctioned to the females only. The core objective of this product is to empower the women in the country so that they could contribute to the economy effectively. As Females are more than 50 percent of the country population ASA Pakistan LTD. encourages females who works in their houses for supporting their families and also strengthen the economy.
Loan Ceiling (1st loan)
Increased in later Ceiling
No. of Installments
Loan Duration/ Period
Processing Time for 1st Loan
Grace Period
Small Loan
PKR 12,000-20,000/ USD 123-205
Up to PKR 5,000/USD 41
12
11+ Months
1-2 Week
4 Weeks

Small Business Loan


Small business Loan is a product which is sanctioned to both males and females. The purpose of introducing this product is to;
• Improve living standards
• Provide relatively cheaper business capital to the poor
• Help the poor to overcome dependency on money lenders
• Alleviates poverty through job creation for poor communities
• Develop a self-help mentality and self-employment capacities of individual member
Loan Ceiling (1st loan) Increased in later Ceiling No. of Installments Loan Duration/ Period Processing Time for 1st Loan Grace Period
Small Business Loan PKR 30,000-50,000/ USD 294-490 Up to PKR 10,000/USD 98 12 11+ Months 1-2 Week 4 Weeks


Small & Medium Enterprise Loan


Small and medium enterprise Loan is a product which is sanctioned to males only. The purpose of introducing this product is to;
• Help the entrepreneur to overcome dependency on money lenders
• Loan against existing business expansion only
Loan Ceiling (1st loan) Increased in later Ceiling No. of Installments Loan Duration/ Period Processing Time for 1st Loan Grace Period
Small & Medium Enterprise Loan PKR 70,000-120,000/ USD 686-1176 Up to PKR 20,000/USD 196 12/18 11+ / 17+ Months 1-2 Week 4 Weeks
• Covers the program implementation cost from the interest income and attains institutional sustainability.


Business Model
ASA, one of the leading NGO Microfinance Institutions

ASA, one of the leading NGO Microfinance Institutions (NGO-MFI) in Bangladesh, has long been providing Technical Assistance (TA) to numerous Microfinance Institutions (MFIs) around the world. To date, ASA experts have worked in ...
Careers


Hiring professionals is a critical job which is an ongoing process ASA Pakistan LTD. strives towards achieving excellence. If you are a professional with latest advancements in your field then this is the right place for your career growth. Keep visiting our site for the new opportunities.

“ASAI’s Loan has helped me convert my temporary structured fast food counter into a permanent structure. With increased business, my husband who was employed as a painter has now joined me and we jointly run this small enterprise.”
Khusnahar Bibii is on the 6th cycle of her ASAI loan. Using her ASAI loans to invest in her business she has doubled her income and plans to continue to borrow from ASAI to diversify her fast food centre operations into stationery. This will help to further increase her income and also create job opportunities among the local community as she plans to employ more people to run her enterprise.
She has also created a training facility to train around 20 local women in dress design to increase their employability and continue to improve her own skills.
“Now I do not have to depend upon my husband and other sources for funding my small shop. ASAI’s loan is easily available and has considerably helped me grow and expand my business.”
Chalima Bibi runs a small shop selling a range of items including cosmetics, stationery and mobile recharge coupons. She is on the 7thcycle of her loan, having initially borrowed Rs.6,000 and currently has a loan of Rs.15,000. The loan from ASAI and the money earned from her small business has increased her independence considerably. Chalima can now provide her two children with an education and support her family.
“ASAI’s loan has freed us from the clutches of money lenders who were charging us 120% interest per annum. Now, we are able to run our business without worrying about our finances. We can also afford to send our children to school.”
On the fifth cycle of her loan, Sita Debi Kumar uses the money she borrows from ASAI to fund the raw materials required for her pottery and clay modelling business.
“I used ASAI’s loan for my small clothes shop. With the loan, I was able to move location and improve my infrastructure. Through the loan, I have been able to acquire designer clothing which has made my shop more attractive and has subsequently increased demand.”
This is the first time that Sahanara Bibi has borrowed from ASAI. It has helped her to expand to a different location and enabled her to offer a wider variety of clothing, allowing her to develop her business and considerably increase her income. With the business rapidly developing, Sahanara’s husband has now joined her and she has four employees to meet the increasing demand. In the future, she plans to continue to develop her infrastructure and has ordered an almirah as part of her expansion plans.