As an organisation committed to social and economic development in The Gambia, the SDF has identified its organisational values as:

1.Honesty and Integrity: the SDF generates security for its customers through honest and integral actions.

2.Commitment: the SDF is committed to providing access to financial services to the economically active poor and all victims of financial exclusion through contracted intermediaries, to achieving financial sustainability, and to use Best Practice Microfinance.

3.Leadership: The SDF values people at all levels, who lead by example, take pride in what they do and inspire others.

4.Collaboration: The SDF values team work and working together to achieve common goals as the foundation of success. Also, the SDF seeks to be an active member of the Microfinance network in The Gambia, regional and internationally.

5.Excellence: The highest quality in vision, mission, strategy, services, demand driven products, highly motivated and committed staff, collaboration and cooperation, management systems and client response all characterise the SDF’s work.