HomeServices
Services
Everything a member can do at Santim
Every service belongs to one of the three words on our sign: save, borrow, flourish. Your savings make loans possible for other members, and the surplus comes back to you.
Save ቁጠባ
Build a habit with small, regular deposits. Your savings earn interest and count toward your loan limit.
| Account | Best for | Deposits | Withdrawals |
|---|---|---|---|
| Regular savings | Everyday saving and building a loan record | Any amount, any working day | At the office when you need it |
| Fixed-term savings | Money you won't need for a while, at a higher rate | One deposit for 6, 12 or 24 months | At the end of the term |
| Goal savings | School fees, a wedding, a holiday season | Weekly or monthly plan you choose | When you reach the goal date |
Interest rates are set by the board and shown at the office. Estimate your savings.
Borrow ብድር
Loans are backed by your savings, your shares and fellow members who vouch for you. Interest is charged on the declining balance.
| Loan | Use it for |
|---|---|
| Business loan | Stock for a shop, tools, a bajaj, or a small workshop |
| Personal loan | Rent, school fees or a family event |
| Emergency loan | Medical bills or an urgent family need, processed quickly |
| Asset loan | Furniture, appliances and home improvement |
To apply for a loan
- Active membership for the period set in the bylaws
- A regular savings record — your savings set your loan limit
- Shares fully paid
- Guarantors who are Santim members
- A short business plan for business loans
Flourish ዕድገት
You're not a customer here — you're an owner with a vote.
SharesEvery member buys shares when joining. Shares make you a co-owner of Santim and support your loan application.
DividendsAt the end of the year, the surplus approved by the general assembly is shared with members according to their shares.
Digital equbRotating savings groups with a clear record of every payment and every turn. See how
Your first santim is the hardest one. Start today.
Visit the office with your ID and two photos. Registration takes one visit.