Join in one visit
Bring your ID and two photos to the office in Dilla. You leave as a co-owner with your first shares.
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Save · Borrow · Flourish · Dilla
የዛሬ ሣንቲምየነገ ቤት
Today's santim is tomorrow's home. Santim is a saving and credit cooperative owned by its members. Save a little every week, join a digital equb, finance a vehicle, and borrow at fair cooperative rates.
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What we offer
Three words on our sign. One promise to every member.
SaveቁጠባBorrowብድርFlourishዕድገት
Build a habit with small, regular deposits
At the counter or from your phone. Your savings earn interest and set your loan limit.
- Regular savingsDeposit any day, withdraw when you need it.
- Fixed-term savingsLock money for 6–24 months for a higher rate.
- Goal savingsSchool fees, a wedding, a holiday season.
Loans backed by your savings and your community
Business, personal, emergency and asset loans — plus vehicle financing for a bajaj, motorbike or car.
- Business loansStock for a shop, tools, a workshop.
- Vehicle financingDrive it now, pay it off monthly.
- Personal & emergencyRent, school fees, medical bills.
You're not a customer here — you're an owner
Buy shares, receive dividends, join a digital equb and vote at the general assembly.
- Shares & dividendsOwn part of the cooperative and share its surplus.
- Digital equbThe equb you know, with every round on record.
- General assemblyMembers elect the board and approve the plan.
Vehicle financing
Drive it today. Pay it off month by month.
Santim finances a bajaj, a motorbike or a car for members with a savings record. The vehicle works for you while you repay — a fair cooperative rate, no middlemen.
Bajaj & motorbikes
Start a transport income with a small deposit and monthly payments.
Clear monthly plan
You see every payment and date in the app before you sign.
Your savings as security
Your savings, shares and guarantors back the loan — the vehicle stays with you.
The Santim journey
From your first santim to your own vehicle
Save, a little at a time
Regular, fixed-term or goal savings. Every deposit earns interest and builds your loan limit.
Savings
Join a digital equb
The equb you know, with every payment and every turn recorded for all to see.
Digital equb
Borrow at a fair rate
Business, personal, emergency and asset loans backed by your savings and your guarantors.
Loans
Drive your own vehicle
A bajaj, motorbike or car financed by Santim, repaid month by month while it earns for you.
Vehicle financingFlourish as an owner
Dividends on your shares, a vote at the general assembly, and a cooperative that grows with you.
About SantimOpening day
See all photos
Santim opened its doors with the whole community
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.
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.
Selam, Member
Total savingsETB 74,350.00+ ETB 412.60 interest this month
Shares20 shares
Loan · next paymentETB 9,026
Equb · round 7 of 12Paid
Fixed-term (12 mo)ETB 30,000
Example screen — figures are illustrative
Join Santim
Your first santim is the hardest one. Start today.
Visit the office in Dilla with your ID and two photos. Registration takes one visit.