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AEON Code of Conduct

About the Establishment of the AEON Code of Conduct

On August 21, 2001, we established the “Corporate Commitment” to guide and direct the future course of the AEON Group. We have changed the corporate group name from “AEON Group” to “AEON,” and each and every member of the AEON family of companies has taken on the challenge of promoting innovation under the guiding principle that “everything we do, we do for our customers.”

The future will bring challenges to AEON’s value proposition. AEON must become a “trusted brand” to distinguish itself from the competition and earn customer loyalty. And to maintain that loyalty, we must work daily to evolve the AEON of the future, a company that constantly focuses on creating new value for customers.

So what is the AEON of the future? For example, if our customers are affected by a law or regulation they feel is unreasonable, we at AEON will strive to make things better for them, making our position clear and staying true to our core values. The center of our philosophy is the concept that “everything we do, we do for our customers.” This is an immutable principle that will never change, even as we ourselves are in constant renewal. Never satisfied with the status quo, always taking another step forward to improve our customers’ lifestyles—this is the AEON tradition. This is the AEON mission. And this is the reason AEON will always be there to serve the needs of future customers.

We have established the “AEON Code of Conduct” as a means to provide more clarity for the AEON of the future. The Code of Conduct helps us interpret AEON’s basic principles to know what actions we need to take for the benefit of our “customers of the era ahead.

” We pledge that beginning today, we will do everything in our power to promote and embody the AEON Code of Conduct. It is our hope that all AEON people will join us in sharing this sense of purpose, developing deep bonds of trust between us all.

AEON Basic Principles

Pursuing peace, respecting humanity, and contributing to local communities, always with the customer's point of view as its core.

The word aeon (AEON) has its origins in a Latin root meaning “eternity.” The customers’ beliefs and desires comprise the central core of our philosophy. At Aeon, our eternal mission as a corporate group is to benefit our customers, and our operations are thus customer-focused to the highest degree.

Aeon Basic Principles are the following :

“Peace” Aeon is a corporate group whose operations are dedicated to the pursuit of peace through prosperity.
“People” Aeon is a corporate group that respects human dignity and values personal relationships.
“Community” Aeon is a corporate group rooted in local community life and dedicated to making a continuing contribution to the community.

On the basis of the Aeon Basic Principles, Aoen practices its “Customer-First” philosophy with its ever-lasting innovative spirit.

Actual repayment amount will be accordance with AEON Payment Schedule.

Introduction

For this indication you can calculate monthly repayment by following :

Loan Amount : Input your desired loan amount
Loan Term : You can select how many months for repayment.

   

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Total Repayment Amount
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Interest Limit
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Monthly Repayment Amount
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Last Payment
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Compulsory Saving
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Total Compulsory Saving Withdrawal Amount
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FAQ

Your Question

Click on below question to have answer.

  • About Compulsory Saving

    • 1. What is compulsory saving?

      Compulsory saving is saving collected and obtained from the customer that is not more than 5% on loan disbursement amount according to Myanmar Microfinance Law.

    • 2. What is the reason for accepting compulsory saving from customers?

      To enhance the saving practice of our customers and support lifestyle.

    • 3. How much is the interest rate for compulsory saving?

      According to Myanmar Microfinance law ,the interest rate is 14% per annum. For more detail please clickhere.

    • 4. How much is a compulsory saving amount for loan disbursement?

      A compulsory saving amount is 1,000 MMK per loan disbursement.

    • 5. How long will AEON keep saving amount for the customer?

      AEON will keep saving amount until end of the loan term.

    • 6. How can customers withdraw the saving amount at the end of the loan term?

      According to the Myanmar Microfinance Law, AEON will offset and calculated the saving amount against the last payment of the loan term at interest 14% per annual. Therefore, we respectfully inform the customer reduced to pay the saving amount in the last payment.

  • About Customer Service Hotline

    • 1. What is AEON Customer Service Hotline number?

      AEON Customer Service Hotline number is 09-969712111 (09:00 AM to 05:30 PM). Currently, we have temporarily suspended the loan services due to the current System Enhancement. When the services are resumed, we will make an announcement again. We sincerely apologize for any inconvenience.

    • 2. What is AEON Customer Service Hotline operation hours?

      AEON Customer Service Hotline operation hours is 09:00 AM to 05:30 PM, Monday to Sunday. Currently, we have temporarily suspended the loan services due to the current System Enhancement. When the services are resumed, we will make an announcement again. We sincerely apologize for any inconvenience.

  • About Interest Rate

    • 1. How much is the interest rate?

      According to Myanmar Microfinance law, effective interest rate is calculated by not more than 28% annually. For more detail please click here.

    • 2. Are there any service charges apart from interests?

      Yes, customers have to pay processing fees depend on loan amount per application at agent after loan approval and no need to pay if the applicantion was rejected or cancelled. For more detail please click here.

    • 3. Are there any service charges apart from interests for S-Loan (Motorcycle)?

      Yes, customers have to pay processing fees depend on loan amount per application at agent after loan approval and no need to pay if the application was rejected or cancelled. For more detail please click here.

  • About AEON S-Loan Scheme

    • 1. How can customers apply AEON S-Loan Scheme?

      Customers can apply AEON S-Loan Scheme via designated application points together with required documents. For more information of Aeon S-Loan scheme, please click here.

    • 2. How many participants are needed to apply for AEON S-Loan?

      There are two participants to apply for S-Loan. Applicant and guarantor.

    • 3. Any age criteria to apply AEON's S- Loan Scheme?

      Applicant and guarantor must be the age of 18 to under 60 years old. For more information of S-Loan please click here.

    • 4. Can students apply AEON's S-Loan Scheme?

      Based on AEON's criteria, students are not entitled yet to apply for AEON's S-Loan Scheme. The student can apply S-Loan (Education) at via designated institute. For more information of S-Loan (Education) pleaseclick here.

    • 5. How many items can customer apply at application points for AEON S-Loan?

      Customer can apply one item at application points for S-Loan.

    • 6. Will every application be approved after applying from application points?

      No, AEON will only provide S-Loan to entitled customers by assessment all information and documents provided.

    • 7. How can customers know their application result after confirming application data from application form?

      AEON will send SMS to customer' mobile for the status of Loan application. For further information , please mail to csinfo@aeoncredit.com.mm or call 09-969 712 111.

    • 8. How can customer utilize the loan from designated application points after approval from AEON?

      Customer himself/herself can go to application points to utilize the loan by showing sms from mobile along with his/her Original NRC.

    • 9. When can customer takes out the loan after get SMS approved from AEON.

      Customer can take out the loan at application points within 15 days.

    • 10. How can customer utilize the loan if customer not receive or lost approval SMS or wrong delete SMS from mobile?

      Only applicant can request approval code number from AEON hotline number 09 9697 12111.

  • About Application Points

    • 1. What is designated application point and where is it located?

      The place where customers can apply AEON S-Loan Scheme & handle for accepting customer applications. For more information of Aeon application points and addresses , please click here.

  • About Require Documents

    • 1. What are the necessary documents to apply AEON S-Loan Scheme?

      For more information of required documentation , please click here.

  • About Finance Term

    • 1. How many finance terms are there and any criteria for it?

      For more information of S-Loan , please click here.

  • About Repayment Agent

    • 1. Where can customers make monthly repayments in Yangon?

      Customer can make repayment by AYA, KBZ, UAB, AGD and MAB bank counters, Mobile Money Services with Aeon logo such as True Money, Wave Money and Near Me agent shops. If you want to pay with Mobile Application Services, can pay with CB Pay, KBZ Pay, AYA Pay and Onepay. If you want to pay with Mobile Banking, can pay with KBZ and AYA Mobile Banking. If you want to pay with i Banking, can pay with UAB, KBZ and AYA i Banking. If you want to know details information of bank location and repayment, Click here......

    • 2. Where can customers make monthly repayments in Mandalay?

      Customer can make repayment by AYA, KBZ, AGD and MAB bank counters, Mobile Money Services with Aeon logo such as True Money, Wave Money and Near Me agent shops If you want to pay with Mobile Application Services, can pay with CB Pay, KBZ Pay, AYA Pay and Onepay If you want to pay with Mobile Banking, can pay with KBZ and AYA Mobile Banking If you want to pay with i Banking, can pay with UAB, KBZ and AYA i Banking. If you want to know details information of bank location and repayment, Click here......

    • 3. Can customer make a repayment through mobile banking?

      Yes, Customers can make repayments through KBZ Pay, AYA Pay, CB Pay, KBZ, AYA Mobile Banking and KBZ, AYA, UAB ibanking. Also, can make repayment through Wave Money mobile app, Onepay mobile app and 2C2P (Near Me) mobile app.

    • 4. Can anyone make repayments on behalf of customers?

      Yes, that person need to provide actual customer information to payment channels. (Customer Name, Agreement No.(16 digits), Repayment amount)

    • 5. What should customer do if wrong information is inputted during payment at Bank?

      Customer must inform AEON Customer Service Hotline 09 969 712 111 to proceed correct information by AEON accordingly.

Event & News

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