Talk to someone at Santim
Call, message on Telegram, or leave your number and we will call you back during office hours.
Asked at our counter every week
Who can become a member?
Any adult with a valid ID who agrees to the cooperative's bylaws, buys the minimum shares and pays the registration fee.
How soon can I get a loan?
After a period of regular saving set by the bylaws. The amount depends on your savings, your shares and your guarantors.
How does vehicle financing work?
You bring a dealer quote and a down payment; Santim pays the dealer and you repay monthly. The vehicle carries Santim's interest until the loan is paid.
Can I withdraw my savings?
Regular savings can be withdrawn at the office. Fixed-term savings are paid at the end of the term. Savings held as loan security stay until the loan is repaid.
How is the digital equb different from a normal equb?
The rules are the same. The difference is the record: payments and the order of turns are kept in the Santim system and shown to every member.
What happens to my shares if I leave?
You can apply to leave. Your share value and savings are paid back after any open loans are settled, following the bylaws.