Compulsory saving
Monthly saving required of every member - the base for your loan limit.
- Earns interest monthly
- Counts towards 3x loan limit
- Dividend eligible
Savings
Grow your family's savings
Compulsory and voluntary savings with competitive returns and dividends every year.
Our products
Financial services built for members
Savings, loans, interest-free (Sharia-compliant) finance and share capital - owned by members, regulated and audited.
Voluntary saving
Save any amount and withdraw when you need it.
- No minimum balance
- Withdraw at any branch
- SMS alerts on every transaction
Children's education saving
Plan school fees with a goal-based savings account.
- Fixed monthly goal
- Bonus at maturity
Business loan
Working capital for traders and micro-enterprises.
- Up to 3x your savings
- Up to 36 months
- Guarantor-based
Housing loan
Build, buy or renovate your home.
- Up to 10 years
- Collateral required
Agricultural loan
Seasonal finance for inputs, livestock and equipment.
- Harvest-aligned repayments
Wadiah savings
Safe-keeping deposit with no interest - Sharia-compliant.
- Separate interest-free fund
- Approved by Sharia board
Murabaha financing
The SACCO buys the asset and sells it to you at a disclosed cost-plus price.
- Asset purchased from supplier
- No interest, no penalties compounding
12500+
Members
480M
Savings mobilised (ETB)
8200+
Loans disbursed
6
Branches
Plan ahead
Loan and savings calculators
Estimates only. Your actual rate, fees and schedule are confirmed by a loan officer.
Mobile banking
Open web banking
Your SACCO in your pocket
Check balances, download statements, follow your loan schedule and dividends - on the web app today, and on Android, iOS and USSD as soon as they are approved.
- Real-time balances and mini-statements
- Loan schedule, next due date and repayments
- Two-factor sign-in and device management
No internet? Dial
*000#
Why choose us
Member-owned. Transparent. Secure.
Safe and regulated
Maker-checker controls, audit trail and two-step login protect every birr.
Digital first
Mobile app, USSD and member portal - no more passbooks.
Interest-free window
Separate Sharia-compliant fund overseen by a Sharia board.
Member owned
Surplus is returned to members as dividends and patronage refunds.
Member stories
What our members say
“I got my working-capital loan in days and follow my repayments on my phone.”
“The Murabaha financing let me buy my Bajaj without interest. Everything was transparent.”
“Saving for my children's school fees is simple, and I see every deposit by SMS.”
News and notices
All newsLatest from the SACCO
FAQ
Frequently asked questions
Fill in the online membership form or visit a branch with your Fayda or kebele ID. Staff verify your KYC and you can start saving the same day.
Usually up to three times your savings, subject to guarantors, your repayment capacity and loan committee approval.
Yes. Wadiah savings and Murabaha financing are run from a separate interest-free fund approved by our Sharia board.
Yes. Sign-in uses your password plus an optional one-time code or authenticator app, and accounts lock after repeated failures.
After the General Assembly approves the annual financial statements and surplus distribution.
Visit or contact us
Branches and contact
Head office - Bole
Merkato branch
Piassa branch
Illustrative map - add an embed URL in Site settings
Send us a message
We reply within one working day.
Ready to grow with us?
Become a member today, or get our news and AGM notices by e-mail.