Save ቁጠባ
Regular, fixed-term and goal savings. Small deposits, at the counter or from your phone.
Savings accountsSave Borrow Flourish
የዛሬ ሣንቲምየነገ ቤት
Today's santim is tomorrow's home.
Santim is a saving and credit cooperative owned by its members. Put aside a little every week, join a digital equb, and borrow for your business or family at fair cooperative rates.
Walk in, sit down, start savingOur office is open Monday to Saturday
What we offer
Three words on our sign. One promise to every member.
Borrow ብድር
Business, personal and asset loans backed by your savings, shares and guarantors.
LoansFlourish ዕድገት
Own shares, receive dividends, join a digital equb and vote at the general assembly.
Shares & equb
Calculator
ETB 2,000 a month becomes ETB 79,860 in three years
At an example rate of 7% a year, with interest added monthly. Try your own amount, or work out a monthly loan payment.
Digital equb · እቁብ
The equb you trust, with every round on record
Same amount from everyone, one member takes the pot each round. Santim keeps the book so nobody relies on memory.
About Santim
Named for the smallest coin, because that's where saving starts
A cooperative of neighbours, traders and workers who each set aside a few santim becomes a source of credit for all of them.
Our story and how we're governed
Android app
Carry your passbook in your pocket
See your savings, your loan schedule and your equb turn any time. The app reminds you before every loan payment and equb round.
Your phone will ask you to allow installing from your browser. Log in with the phone number and PIN you registered at the office.
- BalancesSavings, fixed-term and shares in one place.
- Loan remindersA notification three days before, and on the day.
- Equb roundsWho has paid, and when your turn comes.
- StatementEvery deposit and withdrawal, with dates.
Your first santim is the hardest one. Start today.
Visit the office with your ID and two photos. Registration takes one visit.