Kabul, Afghanistan — 16/08/2025
The First MicroFinanceBank – Afghanistan (FMFB-A) is proud to announce that it has been awarded the Gold Level Client Protection Certification by Inclusion [Social Ratings], a leading international social rating agency. The certification, aligned with the CERISE+SPTF Universal Standards of Social Performance Management, represents the highest level of recognition for responsible finance and client protection worldwide.
This achievement is valid for three years (2025–2028) and includes annual monitoring, underscoring FMFB-A’s ongoing accountability and commitment to best practices.
Why This Matters
At FMFB-A, protecting clients is more than a responsibility, it is the foundation of our mission. Earning the Gold Level Certification affirms that our policies and practices meet the most rigorous international standards.
For our clients, this means:
- Clear and transparent product information
- Fair pricing and responsible lending practices
- Protection of personal data and privacy
- Accessible and responsive complaint handling
For our partners and donors, it provides:
- Assurance of FMFB-A’s alignment with global benchmarks in responsible finance
- Confidence in partnering with a transparent and trustworthy institution
For our employees, it is:
- Recognition of their dedication to professional excellence
- A source of pride in being part of an internationally certified bank
Leadership Perspective
“Earning the Gold Certification for Client Protection reflects FMFB-A’s unwavering commitment to treating our clients fairly, transparently, and responsibly,” said Ziauddin Haidari, CEO of FMFB-A. “This recognition affirms the trust our clients place in us and our role as a responsible financial institution in Afghanistan.”
About the Certification
The Gold Level Client Protection Certification is the highest rating awarded by Inclusion [Social Ratings], an internationally respected social rating agency. The certification is fully aligned with the CERISE+SPTF Universal Standards, which serve as the global benchmark for responsible financial services and client protection.
Only institutions that demonstrate strong safeguards, responsible product design, transparent practices, and effective grievance mechanisms are awarded Gold status.
FMFB-A’s Commitment
FMFB-A remains committed to maintaining this achievement through continuous improvement and innovation. Key areas of focus include:
- Expanding financial literacy initiatives to empower clients
- Strengthening grievance redress mechanisms for faster resolution
- Designing responsible loan products that prevent over-indebtedness
- Upholding transparency, accountability, and client well-being at every level
- FAQ’s
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