Solid Product/Market Match: The ABA’s credit service is filling a need of a large and densely populated target market.

Strong Customer Service:  Clients praise the level of service offered by the project. They like the fact that extension officers “go to them” and they find the eligibility requirements easy to meet. They are particularly happy with the quick loan procedures.

Excellent Delinquency Management: The follow-up procedure for delinquent payments is very effective.

Excellent Management Information System MIS:  ABA produces excellent management reports, such as a client status report, loan status report, and expected repayments report, which facilitate operations and sound decision-making.

An Elaborate Staff Incentive Scheme: ABA has developed an elaborate Incentive System that has a significant effect on staff behavior and project performance.

Effective Relationship with Banks: The use of commercial banks to disburse and collect payments results in lower operating costs, better client service (since bank branches are conveniently located) and less losses due to error or fraud.