ASA Overview

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ASA University Bangladesh (ASAUB) has been founded with the objective of spreading quality higher education among students at affordable cost and to offer programs of study appropriate to the needs of the 21st century which are related to progressive activities directly contributing to the socio-economic enlistment and empowerment of the people of the country, development of skilled manpower and inculcation of social and moral values among the youths of Bangladesh.


The University started its academic activities in May 2007 after getting approval from the Government of Bangladesh and the University Grants Commission (UGC) in October, 2006.


ASA University Bangladesh (ASAUB) has been offering under-graduate and graduate programs under following faculties:


Faculties :4(Four)

  • Faculty of Business
  • Faculty of Law
  • Faculty of Arts, Social Science
  • Faculty of Science & Engineering

Departments : 6(Six)

  • Dept. of Business Administration
  • Dept. of Law
  • Dept. of English
  • Dept. of Public Health
  • Dept. of Pharmacy
  • Dept. of Applied Sociology

Degrees Offered :

Faculty of Business

Dept of Business Administration

  • Bachelor of Business Administration (BBA)
  • Master of Business Administration (MBA)

→ Regular

→ Executive

Faculty of Law

Dept. of Law

  • LL. B. (Hons)
  • LL.M. (1 year)
  • LL.M. (2 years)

Faculty of Arts and Social Science

Dept. of English

  • BA (Hons) in English
  • M.A. (Preliminary) in English(1 year)
  • M.A. (Final) in Applied Linguistics and ELT (1 year)
  • M. A (Final) in English ( 1 year)
  • CELP

Dept. of Applied Sociology

  • BSS (Hons) in Applied Sociology

Faculty of Science & Engineering

  • Dept. of Pharmacy
  • Dept. of Public Health

Research Centre : Centre for Socio-Economic Research (CSER)

  • Number of Teachers : 90 (Full- time)
  • Number of Students : 5600
  • Number of Officers : 50
  • Number of Staff : 18

Library : 1 (One)

Number of Campus : 1(One)

Area (Floor Space) : 1,10,000 sft. (fully air-conditioned)

Computer Lab : 3(Three)

ASA introduced primary education strengthening program since February of 2011 to provide extra tuition facilities to the students of the poor and underprivileged households. The main rationale of initiating the program is to increase students’ enrollment, minimize dropout and thereby facilitating retention of students in primary level education.

Under the program 300 learning centers were established across the country this year where about 9000 students received supplementary educational support under the direct and close supervision of PESP. The organization is planning to expand the program gradually to cover vast areas of the country.

ASA has been rendering foreign remittance service since 2008 with the collaboration of National Bank Ltd. To
provide better, faster and safer money transfer to the doorsteps of the relatives of expatriate Bangladeshis. The organization extended the remittance service to its 1200 branches up to December 2011. The service channeled Tk.487 crore to the beneficiaries across the country during the year. ASA has planned to add 500 more branches under this program in 2012.

As an associated organization of ASA, Hope for the Poorest (HP) was established to implement various programs and activities in the field of primary healthcare, water, sanitation, hygiene as well as some charitable activities. HP has been organizing health camps where free treatments are being provided by specialist physicians. Besides, the organization observes different national and international days on themes relating to the mentioned sectors for creating awareness. HP provided health services to over ten thousand poor patients through its five Primary Health Care Centers located in remote areas these included health checkups and pathological tests and provision of medicines at discount prices. The organization also arranged health camps with the participation of specialist doctors and pathologists at Chunarughat Health Centre in Habiganj district for the poor people especially women, the elderly and children. HP started water, sanitation and hygiene (WASH) program in Satkhira and Bagerhat two coastal districts in 2011. About fifty thousand poor and slum dwellers will be benefited from this program in the next five years. Furthermore, HP distributed warm clothes among the distressed people during the winter season of the year.

ASA of Bangladesh (“ASA”) in collaboration with international microfinance investors established an international microfinance organization to overcome such challenges for low income entrepreneurs. This organization, ASA International, is the first truly international microfinance holding company (“ASA International”). ASA is providing technical support to each subsidiary of ASA International ( and is responsible for the implementation of the proven ASA Model of Microfinance in the different countries in Asia and Africa. ASA International is primarily funded by Catalyst Microfinance Investors (“CMI”), USD 125 million microfinance investment fund, as well as a number of well-established debt providers.

ASA International initiated “Greenfield” operations in India, Nigeria, Pakistan, The Philippines, Sri Lanka and Ghana and is looking to establish operations in Indonesia and China. Each of the organizations was build from the ground up with the support of ASA. In some of these markets ASA International is still an early entrant and should enjoy certain advantages as a result, as well as contribute to the creation of healthy microfinance environment in such country.

Each of the ASA International operations is strictly following the highly efficient ASA model – adjusted to meet local conditions and requirements – and is ideally suited to address the unique needs of the people in those markets, mainly low income women. Unlike some other microfinance institutions (“MFIs”), ASA International is a for-profit organization hoping to bring further “commercialization” to the microfinance sector. The ASA microfinance model introduces efficient operating procedures and credit methodologies that adequately address the risks associated with commercial banking to the poor.

Experienced staff from ASA has been seconded to these institutions to train local staff and design the various policies and procedures. It is expected that each of these MFIs will, over time, emerge as the market leader in terms of efficiency and scale in each of these countries.

This should promote competition and encourage other MFIs to reduce their operating expenses and thereby reduce the costs of borrowing for the clients.

Catalyst Microfinance Investors (CMI) ( was established by
ASA and Sequoia, a Dutch corporate finance and private equity firm, in 2006. CMI received capital commitments of US$ 125 million from leading international institutional and private investors such as, amongst others, the Dutch pension fund, ABP, the US investor financial services organization, TIAA-CREF, the government owned fund CDC Group, established microfinance funds like Gray Ghost Microfinance Fund as well as a number of private investors from mainly Europe and the United States.CMI intends to apply the majority of its funds for the rapid establishment and growth of ASA International in many of the largest microfinance markets in Asia and Africa. CMI’s objective is to accelerate the growth of the MFIs it invests in by strengthening their financial resources and providing them with the ASA expertise needed to expand and optimize their operational efficiency. Ultimately, access to this large pool of capital is required to answer the financial needs of the poor.

CMI is the 100% shareholder of ASA International.

Since 1993, ASA has been providing Technical Assistance (TA) to NGO-MFIs around the world as a microfinance consultant. Thus far, ASA has
worked in more than 17 countries around the world, including:

  • Laos
  • Cambodia
  • Tajikistan
  • Jordan
  • Ethiopia
  • Myanmar
  • Afghanistan
  • Peru
  • Mauritius
  • Indonesia
  • Yemen
  • India
  • Pakistan
  • Sri Lanka
  • Nigeria
  • Philippines
  • Vietnam

A considerable number of visitors and trainees also visit ASA every year with a view to acquiring knowledge about implementation of ASA

ASA cooperates with small local NGO-MFIs with the objective of making them self-reliant so that they can
independently serve the poor in remote areas. ASA provides these partner NGOs with technical support as well as loan funds on soft
terms.Under this program, ASA is supporting more than 19 partner NGO-MFIs all over the country.Total Coverage: By August 2011:

1No. of Partners (Active)19
3Outstanding loan3.423 million
4Savings Balance3.751 million
5Staffs deployed from ASA20

ASA took the responsibility to channel this fund to NGO MFIs and ensured its proper utilization by providing the partners with sufficient
technical assistance.


Simultaneously, all of these partner NGO-MFIs are gradually increasing their capacity to access funds from PKSF (the apex microfinance
wholesale funding institution in the country) as well as from local commercial banks. ASA is also providing expert consultancy in this regard
for a smooth access in the fund.

To create a momentum in the agriculture sector of the country ASA started Agribusiness Development Project in March 2007. Agribusiness program of ASA has been designed to capture the economic potential of the small-scale agricultural enterprises in the country. Agribusiness services include activities such as servicing of agriculture equipment or the sale of inputs (seed, seedlings, fingerlings, chicks, calves, and fertilizer); collection, storage, processing, and transport of agricultural produce and high-value commercial production, especially of nontraditional commodities. In addition to new entrepreneurs successful entrepreneurs of the existing microcredit program who scaled up their activities to a more commercial level are included in the project. Their micro creditactivities provided individual participants with experience in commercial production and processing. They had proven their entrepreneurial skills by successfully operating micro ventures, and meeting all loan repayment obligations. ASA has provided the small enterprise lending programs including guidance in business planning and small business financial control. In addition, ASA provided one day technical training in livestock, fisheries, high-value crops, such as fresh fruit, vegetables, and nursery.ASA has facilitated marketing support to agribusiness clients through counseling to agribusiness entrepreneurs. Small-scale women entrepreneurs are given special attention. They play a vital role in the formation of linkage with consumer markets. As a result, the women entrepreneurs are efficient in developing market and accessing raw materials on a regular basis and in turn expanding their businesses. The Agribusiness Project has stimulated commercial activities in the agriculture sector ranging from pre, pro and post-production handling, processing, transport, storage, and marketing. An expansion of theseactivities has resulted in increased value addition to the agricultural produce leading to economic growth and employment, primarily in the rural areas. Under the project Tk 98.85 crore has been disbursed among 13,531 borrowers up to December 2011. In order to implement the project efficiently 807 male and 345 female entrepreneurs have been imparted training on crop production, nursery, dairy farming, layer farming, broiler framing, beef fattening, fish rearing, etc in 2011. The project is funded by ADB through Basic Bank Ltd. and Eastern Bank Ltd.

ASA’s philosophy as an MFI is to provide small and medium size loan to the poor and low income people with soft and friendly obligations so that they can use such loans in various income generating activities within their capability which eventually would incorporate them in the mainstream economic processes of the country.

The offered loans are completely collateral free. This helps reduce their poverty and provides them access to manifold socio-economic opportunities. Presently ASA caters two types of loan products: one is ‘Primary Loan’ and another ‘Special Loan’.

Primary Loan: It has a maximum tenure of 12 months with a loan ceiling of BDT 70,000. The organization disbursed Primary loans amounting to BDT 8196.62 crore (USD 1.054 billion) during 2013.

Special Loan: It has a maximum tenure of 30 months and provides an amount ranging from BDT 71,000 to BDT 300,000. Both the loan products haveflexibility in respect of repayment and are provided at the interest rate of maximum 27% in declining mode. ASA disbursed loans amounting to BDT 1799.79 crore (US$ 0.23 billion) during 2013.

ASA maintains savings programs enabling the poor to absorb unexpected shocks of calamities/disasters. Members are allowed to withdraw their savings whenever they require and interest is provided on their deposits. By the end of 2013, the savings balance (regular, LTS & capital build up savings) of ASA’s clients was BDT 26,162.26 (US$ 336.41) million.

ASA also provides its clients with one time financial assistance for medical treatment of serious diseases including cancer, acid burns, cardiac operations, backbone surgery, brain surgery, kidney damage, cesarean delivery, etc as well as meeting costs of surgical operations.Clients do not need to deposit any money to receive this assistance. ASA clients are automatically eligible for this.