Visão e missões e príncipios

AKAM’s mission is to affect demonstrable, measurable, and lasting improvement in the quality of life of its clients by delivering appropriate financial services to diminish their vulnerability and enable financial, economic, and social inclusion.

To achieve this mission, AKAM invests in and develops sustainable financial institutions and financial intermediaries to deliver a full range of cost-effective, client-centred financial products and services to poor and low-income households and small businesses.  Recognising that financial services are just one part of a comprehensive set of solutions to improve quality of life, AKAM collaborates with other AKDN agencies so that their different pursuits in health, education, habitat, and rural and economic development can address the many dimensions of quality of life.  AKAM strives to holistically understand and address its clients’ needs for credit, savings, and other financial services.  AKAM’s focus on deposits aims to fill a critical need of poor and low-income populations by providing them with a safe and convenient place to save while also building a stable deposit base as a long-term, local source of funding for its entities.  AKAM’s institutions provide micro entrepreneurs and smallholder farmers with credit, savings, transfers and remittance services to allow them to invest in their businesses and farms; improve their homes; manage small and variable incomes; or meet household expenses all to help them have more control over their own livelihoods. To support job creation and broader economic opportunity, AKAM’s institutions also increasingly serve small businesses with a range of adapted and flexible services. 

Principles

• Client-Centricity: AKAM seeks to understand and meet the diverse needs of its clients with adapted, easy to use products and a high quality of service.  AKAM considers client needs holistically beyond economic or business needs to include health, education, housing, consumption, etc. AKAM entities monitor customer satisfaction through regular surveys to capture feedback and continually improve service.
• Transparency: AKAM promotes open, simple, complete, and regular communication with clients, particularly with regard to product pricing, terms, and conditions
• Ethical Pricing: AKAM entities strive to provide clients with the most affordable and sustainable pricing.  AKAM entities continually strive to lower the cost to clients by working to lower their own costs of delivery (operational and funding) and improving operational efficiency.
• Sustainability: AKAM’s mandate is sustainability for all its institutions.  For AKAM this means that each entity must strive to breakeven as quickly as possible and that any surpluses, beyond a reasonable cushion against future shocks, should be reinvested into the business to provide better products and services, improve access, and ultimately lower interest rates for clients.  
• Evidence-Based: AKAM promotes an evidence-based approach to product design and delivery, grounded in research and evaluation; in-depth client needs analysis; and understanding client preferences and behaviours. 
• Dignity: AKAM and its entities endeavour to treat clients and staff fairly and with dignity
• Data-Driven: AKAM entities strive to apply data analytics approaches to drive innovation and improve service delivery and outreach