It is a method of lending small sum of e-money to individuals and merchants/agents to start or expand a small business.
1. Mela weekly and monthly
Overdraft
| Credit amount | Tariff | ||
|---|---|---|---|
| Facilitation fee | Daily Fee | Penalty | |
| 200 | 1.10% | 0.11% | |
| 400 | 1% | ||
| 600 | 0.95% | ||
| 1,100 | 0.85% | ||
| 2,000 | 2.50% | 0.80% | |
| 2,200 | 0.75% | ||
| 2,500 | 0.70% | ||
| 3,500 | 0.30% | ||
| Note: all amounts are in ETB |
Mela Monthly
| Credit amount | Tariff | ||
|---|---|---|---|
| Facilitation fee | Daily Fee | Penalty | |
| 600 | 3% | 0.80% | 0.11% |
| 800 | 0.75% | ||
| 1,400 | 0.70% | ||
| 3,000 | 0.67% | ||
| 6,000 | 0.62% | ||
| 8,000 | 0.58% | ||
| 10,000 | 0.50% | ||
| 12,000 | 0.30% | ||
| Note: all amounts are in ETB |
50 Days Mela
| Credit amount | Tariff | ||
|---|---|---|---|
| Facilitation fee | Daily Fee | Penalty | |
| 3000 | 6% | 0.70% | 0.11% |
| 5,000 | 0.66% | ||
| 7,000 | 0.62% | ||
| 9,000 | 0.59% | ||
| 11,000 | 0.56% | ||
| 13,000 | 0.53% | ||
| 15,000 | 0.50% | ||
| 18,000 | 0.50% | ||
| Note: all amounts are in ETB |
Credit Type
| Credit Type | Minimum Loan | Maximum Loan | Payment Period | Facilitation Fee | Penality | |
|---|---|---|---|---|---|---|
| Mela Daily | 100 | 2,000 | 1 Day | 1% | 0.35% up to 1.2% | |
| Mela Weekly | 100 | 5,000 | 7 Days |
| Credit Type | MINIMUM LOAN | MAXIMUM LOAN | payment period | Facilitation Fee | Penalty |
|---|---|---|---|---|---|
| Mela Daily | 100 |
2,000 | 1 day | 1% | 2% |
| Mela Weekly | 5,000 | 7 Days | 1% | 0.50% |
|
| Mela Monthly | 10,000 | 1 Month | 3% |
Medaresha
Medaresha is part of telebirr mela service which will enable public and private employees to get credit if they receive their salary via telebirr
Steps to use Medaresha via telebirr app
- Select Financial service
- Select telebirr mela
- Select Mela medarersha
- Check credit limit
- Press apply credit
- Enter credit amount and press view
- Press confirm to finish
Steps to use Medaresha Via USSD (*127#)
- Dial *127#
- Select 1 (Financial service)
- Select 1(telebirr mela)
- Select 1 (Apply credit)
- Select 4( Medaresha 3 month)
- Enter credit amount
- Press 1 to confirm
- If employees repay within 90 days, facilitation fee will be 10%.
- After due date, they will be charged with 0.5% per day on total outstanding amount
- Repayment will be automatic when their salary credited on telebirr.
- Employees can take 30% of their salary as credit
- Payer organization and employees will sign contract and agreed to pay/receive their salary via telebirr
- To get Medaresha, they shall receive their salary 3 times (months)
- When contract agreement signed, they would be whitelisted to 30% of their salary as credit immediately.
- The credit will be repaid within a month.
- Company shall confirm their employee's salary payment will continue via telebirr and should inform Ethio telecom a month ahead if their salary payment is stopped due to contract is terminated or other issues.
“Medaresha" is a salary-based loan which is provided to employees who received their salary via telebirr. Employees can take 1/3 of their salary as credit.
- Activation requirement for telebirr Mela
- 18-year-old and Above
- Have an Ethio telecom active SIM card
- Active user of telebirr and Ethio telecom products such as Data/Voice/SMS
- At least being telebirr customer for 3 months
- You can use USSD (*127#) or telebirr app to register.
How to activate and use the service
To activate telebirr mela
- Go to Financial Service
- Select telebirr mela
- Read the terms and conditions
- tick the check box and press activate.
To take a micro credit
- Select the desired contract available under telebirr mela Service
- Check your available credit limit and terms of the offer Select “Apply Credit”
- Enter “Credit Amount”
- Press View for details and finally press Confirm to finish.
- How To Pay Your Credit
To pay your credit
- Go to telebirr mela under telebirr mela Service
- Select the contract you are going to pay
- Under the contract details press Pay
- Enter the amount you want to pay back (partial or full amount) And confirm to finish
- Eligible criteria for Mela (Micro-Credit)
- 18-year-old and above.
- A customer must have an Ethio telecom active mobile number
- Six months’ transaction history of the below products will be considered:
- Airtime & packages purchase,
- Buy goods/service,
- Pay bill,
- Cash in and cash out,
- Utility payment,
- Bulk disbursement (salary, Benefit/safety Net…),
- Receive remittance,
- Ticket purchase,
- Fundraising payment,
- Saving will be considered for transaction fulfilment capability and behavioral preference,
- telecom usage like Voice, Data and SMS, Network age….
Heshiiskan (oo hadda loo yaqaan "Shuruudaha iyo xaaladaha") waxa uu ka kooban yahay shuruudaha iyo xaaladaha guud ee lagu dabaqi karo Adeegyada Amaahda Yar yar ee telebirr mala.
Shuruudahan iyo Xaaladahan sidoo kale wax ka beddelka iyo isbeddellada adeega daynta yar yar ee telebirr mala la xidhiidha, waxay khuseeyaan macaamilka ka dib marka uu akhriyo oo uu aqbalo macaamilku (isagoo tabanaya "Agree" ikhtiyaarka).
1. Tafasiir
Erayada lagu isticmaalo Shuruudahan iyo xaaladahan waxay leeyihiin macnaha soo socda:
1.1. ’’ Dashin bank " waxaa loola jeedaa Waa hay’ad maaliyadeed oo la xakameeyo, waana hay’ad maaliyadeed oo heshiis la ah inay macaamiisha Telebirr siiso adeega mala oo dayn yar yar ah iyadoo la kaashanaysa Ethio Telecom.
1.2. "Ethio Telecom" waxaa loola jeedaa hay'ad shatiyaysan in ay wax lacag ah bixiso iyadoo kaashanaysa " Dashin bank " Waa hay’ad heshiis kula jirta xallinta adeegga amaahda yar yar ee telebirr mala in ay siiso macaamiisha Telebirr.
1.3. "Bangiga Qaranka Itoobiya" wa hay'ad loo aasaasay in ay shati siiso hay'adaha maaliyadda, isla markaana ku kormeerto hawlahooda shaqo sida ku cad Xeer Lr. 591/2001.
1.4. "Telebr" waa magaca ganacsiga ee adeegga lacagta mobilka ee Ethio Telecom oo u sahlaysa macaamiisha inay helaan adeegyada maaliyadeed iyagoo isticmaalaya taleefankooda gacanta.
1.5. ""Telebr Account" macneheedu waa akoon ay isticmaalayaasha Telebrku ku shubtaan, ku soo diraan oo ay lacag ugala baxaan si elektaroonig ah.
1.6. Adeegga Amaahda Yar yar ee Mala” waa nooc adeeg oo macaamiishu ay ku heli karaan lacago yar yar oo dayn ah oo lacag elegtrooniga ah oo ay iska kaashanayaan Dashin bank iyo Ethio Telecom si waafaqsan shuruucdan iyo shuruudahan.
1.7. Adeegga amaahda yar yar ee mala madarasha ” waa adeegga amaahda ee uu Dashin bank kaashanaya Ethio Telecom u soo marinayo Telebirr shaqaalaha hay’adaha gaarka ah iyo kuwa dawliga ah si waafaqsan shuruucda iyo xaaladaha hoos ku xusan.
1.8. "Macaamiil gaar ah" waxaa loola jeedaa qof dabiici ah oo magaciisa akoon ku leh Telebirr oo ogolaaday inuu qaato adeegga telebirr Mala ee deynta yar yar ee Telebirr.
1.9. "Electronic money/e-money" waa lacag elektaroonik ah oo u dhiganta lacagaha Itoobiya, taas oo uu maareeyo macmiilku kuna haysto akoonka Telebirrr ee macmiilka.
1.10. "Adiga" ama "kaaga" waa macmiilka shakhsiga ah waxaana ku jira wakiillada gaarka ah ee shakhsiyeed.
1.11. ""Anaga" "Anaga" iyo "keenna" waa Dashin bank iyo Ethio Telecom.
1.12. "adeegga lacag bixinta" waa lacag bixinta ay bixiyaan macaamiisha gaarka ah si ay u isticmaalaan adeegga deynta xalalka. Qadarka lacag bixintan waxa lagu bedeli karaa go'aanka Ethio Telecom iyo Dashin bank wakhti kasta iyadoo ogaysiis hore bixinayaan.
1.13. "Lacag Bixinta maalinlaha" waa nooca lacag bixinta ee la bixiyo maalin kasta iyadoo lagu saleynayo nooca deynta uu macmiilku ka qaatay qaddarka deynta ee taagan.
1.14. "Khidmadda Ciqaabta" macneheedu waa khidmadda ay macaamiishu shakhsi ahaan lagata uu bixin doonaan haddii ay ku guul daraystaan inay fuliyaan ballanqaadkooda waqtigii loogu talagalay.
1.15. "Taariikhda kama dambaysta ah" waa taariikhda u dambaysa ee macmiilka shakhsiga ah laga filayo inuu dhammaystiro dib-u-bixintiisa deynta.
1.16. "Bad Debit" waa deyn aan lagu bixin 90 maalmood gudahood ka dib taariikhda bixinta.
1.17. Erayada lagu muujiyay dheddig sidoo kale waxay khuseeyaan ragga.
1.18. Erayga "shakhsi" waa inuu ku jiraa lab iyo dhedig labadaba
2. Ogolaanshaha Shuruudaha iyo xaaladaha
2.1. Kahor intaadan codsan isticmaalka adeegyada amaahda yar yar ee Mala ,waa inaad si taxadar leh u akhridaa oo aad fahantaa Shuruudahan iyo Shuruudahan xukumi doona isticmaalka iyo ka shaqaynta adeegga amaahda ee bangiga Awash..
2.2. If you Haddii aadan ku raacsanayn Shuruudahan iyo Shuruudahan, fadlan ha taaban ikhtiyaarka “activate” ee taabo “Cancel” menu-ga.
2.3. You will Waxaa laguu aqoonsan doonaa inaad akhriday, fahantay, oo aqbashay Shuruudahan iyo Xaaladahan halkaa: Markaad taabato "diwaangalinta" ikhtiyaarka Menu-ga ee ku codsanaya inaad xaqiijiso inaad akhriday, fahantay, oo aad ogolaatay inaad u hogaansanto Shuruudahan iyo xaaladahan; iyo/ama adiga oo isticmaalaya ama sii wadida isticmaalka iyo ka shaqaynta Adeegga amaahda yar yar ee Awash Bank.
2.4. Waxaad qiratay oo aqbashay adeegga kredit-ka ee Mala, waxaadna ogolaatay inaad ganacsi la samayso Ethio telecom iyo inaad ku shaqeyso bangiga Awash micro credit service kaliya adigoo isticmaalaya telebir.
2.5. Shuruudaha iyo xaaladaha waxa wax ka beddeli kara ama ku dari kara wakhti kasta Ethio telecom iyo Dashin bank marka isbeddeladan’ ogeysiiska lagugu soo diro iyada oo loo marayo marinnada isgaadhsiinta ee ku habboon. Shuruudaha iyo shuruudaha la cusboonaysiiyay waxay ku xidhnaan doonaan macmiilka gaarka ah laga bilaabo taariikhda lagu daabacay telebirr App, portal, ama mareegta.
2.6. The Qofka macaamilka ahi wuxuu oggolaaday inuu u isticmaalo deynta ujeedooyin sharci ah
3. Diwaangalinta Amaahda ee Enderas
Si aad uga hawlgeliso adeegga amaahda ee Ethio telecom iyo Dashin bank, waa inaad noqotaa ugu yaraan:
3.1. Awood u leh inuu akhriyo, fahmo oo aqbalo shuruudahan..
3.2. Waa in uu jiraa 18 sano iyo ka badan.
3.3. Hayso telecom SIM kaar firfircoon
3.4. Isticmaalka diwaangalinta ee telebirr iyo alaabta telecom-ta ee Ethio telecom sida Data/Voice/SMS.
3.5. ku jirida Shabakadda (3) saddex bilood iyo ka badan ka dib markaad iska diiwaan geliso SIM card iyo adeegga telebirr.
Si loo hawlgeliyo adeegga amaahda yar yar ee Awash Bank, macaamiishu waa inay isticmaalaan USSD *127# ama telebirr super App.
4. Shuruudaha u-qalmitaanka si aad u hesho adeegga amaahda ee Mala
4.1. The Individual customer's Awoodda amaahda macmiilka ee shakhsi ahaaneed waxaa lagu go'aamiyaa wax kala iibsiga telebirr ee 6 bilood iyo/ama isticmaalka isgaadhsiinta ka hor taariikhda codsiga adeegga lacag-bixinta ee bangiga Dashen . Wax kala iibsiga telebirr ee hoos ku taxan waxa loo isticmaalaa si loo ogaado kalsoonida macmiilka.
o Iibsashada kaarka hawada ama Xidhmada(isku adeeg ama wakiillo)
o Iibsashada alaabta/adeega
o Bixinta biilasha (adoo isku adeegaya ama wakiillo)
o Lacag bixinta tamarta
o Lacag Bixin badan
o Helida lacagta Xawaaladaha(dibadaha)
o Iibsashada Tigidhada
o Lacag ururin(Fund rising)
o lacag kushubasho iyo labixid
o Kaydinta
o Lacag Dirid
o Isticmaalka isgaadhsiinta sida Codka, Xogta iyo SMS-ka iwm.
o dib u bixinta deynta telebirr
4.2. Si kastaba ha ahaatee, si aad u hesho adeegga mushaharka daynta yar yar ee Mala, in mushaharka lagu qaato telebiirr ama loo fududeeyo iyada oo lagu salaynayo heshiiska lala galayo hay'adda uu shaqaaluhu ka shaqeeyo.
5. Qadarka deynta iyo khidmadaha.
5.1. Waxaad amaahan kartaa qaddar kasta oo u dhexeeya inta ugu yar iyo inta ugu badan ee la oggol yahay.
5.2. Waxaad heli doontaa qaddarka deynta ee la codsado, waxaana laguugu shubi doonaa akoonkaaga telebirr
5.3. Waa inaad marka hore dib u soo celisaa dayntaadi hore si aad u hesho dayn kale.
5.4. Waxaad ku bixin kartaa deyntaada qayb ama si buuxda hal mar.
5.5. Iyadoo ku xiran nooca deynta, muddada dib u bixinta amaahdu waa 1 maalin, 7 maalmood, 30 maalmood, iyo 50 maalmood..
5.6. Haddii aad ku bixiso deyntaada hal maalin gudaheed 1 maalin, waxaad bixin doontaa khidmad adeeg oo ah 1% qaddarka aasaasiga ah.
5.7. Haddii aad bixiso deynta todobada maalmood gudahooda ah 7 maalmood gudahood, waxaad bixin doontaa khidmad adeeg oo ah 1% maamulaha maalinta koowaad iyo dulsaarka maalinlaha ah ee 0.35% ilaa 1.2% ee maamulaha, taasoo ku xidhan xadka deynta, laga bilaabo maalinta labaad.
5.8. Haddii aad ku bixiso daynta xad-dhaafka ah soddon maalmood gudahooda 30 maalmood gudahood, waxaad bixin doontaa 2.5% qaddarka deynta maalinta ugu horreysa, ka dib, waxaad bixin doontaa khidmad dheeraad ah oo adeeg ah oo ah 0.3% ilaa 1.10% maalintii, taasoo ku xidhan xadka deyntaada.
5.9. Haddii aad ku bixiso daynta soddon maalmood gudahooda 30 maalmood gudahood, waxaad bixin doontaa 3% qaddarka deynta maalinta ugu horreysa, ka dib, waxaad bixin doontaa khidmad dheeraad ah oo adeeg ah oo ah 0.3% ilaa 0.8% maalintii, taasoo ku xidhan xadka deyntaada.
5.10. Haddii aad ku bixiso deyntaada kontonka maalmood gudahooda 50 maalmood, waxaad bixin doontaa khidmad adeeg oo ah 6% qaddarka deynta, ka dib, waxaad bixin doontaa khidmad dheeri ah oo adeeg ah oo ah 0.5% ilaa 0.7% maalintii, taasoo ku xidhan xadka deyntaada.
5.11. Bixinta amaahda ee gelitaanka oo dhan waa la qaybiyaa waxaana la bixiyaa si tartiib tartiib ah muddada amaahda..
5.12. Kuwa qaatay 30% mushahara mala madarasha Mudada lacag bixintu waa 3 bilood waxaana 10% khidmad adeeg lagu dalaci doonaa...
5.13. Amaahda mushaharka mala madarasha ee 2 bilood oo ay ku jirto dib u bixinta 9 bilood, waxaad bixin doontaa 16% khidmad adeeg.
5.14. Amaahda mushaharka mala madarasha ee 3 bilood ah oo leh 12 bilood oo dib u bixin ah, waxaad bixin doontaa 20% khidmad adeeg..
5.15. Haddii aad bixiso deynta mala madarasha 2 iyo 3 bilood ka hor taariikhda kama dambaysta , waxaad bixin doontaa kaliya 3% khidmad adeeg oo hadhaaga soo hadhay.
5.16. Haddii aad ku bixin waydo deyntaada taariikhda la filayo, waxaad bixin doontaa ujro ganaax ah 0.11% ee caddadka deynta kugu maqan, oo la xisaabiyo maalin kasta. Si kastaba ha ahaatee, haddii aadan bixin hadhaaga deyntaada mala taariikhda la filayo, waxaa lagugu soo dalacayaa ganaax dhan 2% maalintii qaddarka deynta ee weli taagan.
5.17. Haddii macmiilka gaarka ahi uu ku bixin waayo deynta 90 maalmood gudahooda laga bilaabo taariikhda kama dambaysta , deynta hadhay waxaa si toos ah looga jarayaa akoonka kaydka.
5.18. Lacagta aad ku kasbato gunnada looma isticmaalo in lagu bixiyo deynta.
5.19. Haddii daynta la bixin waayo marka ay ku beegan tahay Ethio Telecom iyo Dashen Bank waxa laga yaabaa, markay u baahato, inay daynta ku ururiyaan wado kasta oo kale, oo ay ku jiraan ka bixinta tooska ah ee Dashen Bank ama akoonka bangi ee kale ee daynta, meel ka baxsan maxkamadda.
5.20. Hadii qofka macmiilka ahi aanu ku bixin wakhtigii loogu talo galay ka dib wakhtiga lacag bixinta, Ethio Telecom iyo Dashen Bank waxa ay isla markaaba ka jarayaan lacagta daynta ah ee ku hadhay akoonka Telebirr-ka macmiilka.
5.21. Qofka macmiilka ahi waxa uu ku heshiiyey in Ethio Telecom iyo Dashen Bank ay xaq u leeyihiin in ay qaadaan daynta iyaga oo isticmaalaya dariiq kasta oo kale oo ay ku heli karaan qofka macmiilka ah gurigiisa ama ciwaanka ganacsiga si ay uga caawiyaan ururinta deynta dibadda ah ee maxkamadda.
5.22. Qofka macaamilka ahi waxa uu ku raacsan yahay in haddii daynta la bixin waayo marka ay ku beegan tahay wakhtiga bixinta, Ethio Telecom iyo Dashen Bank waxay u bandhigi karaan macluumaadka shakhsi ahaaneed ee macmiilka cid saddexaad (urur ama shakhsi) ku lug leh ururinta deynta.
5.23. Haddii deynta lagu bixin waayo heshiis ka baxsan maxkamadda, Ethio Telecom iyo Dashen Bank waxay xaq buuxa u leeyihiin inay arrinta u gudbiyaan maxkamad caadi ah keligood ama adeeg bixiye kale ama qareen gaar ah.
6. Sharciga maamulka
Shuruucda Jamhuuriyadda Dimuqraadiga Federaalka Itoobiya, awaamiirta Bangiga Qaranka Itoobiya, iyo sidoo kale habraaca shaqo ee Dashin bank yo Ethio telecom ayaa lagu maamuli doonaa Shuruudahan.
7. Su'aalo.
Wixii su'aalo ah ee ku saabsan adeegyada, nidaamka, xeerarka iyo shuruudaha telebirr mala, waxaad la xiriiri kartaa Xarunta Xiriirka Macmiilka ee Telebirr (127), waxaad u diri kartaa fariin qoraal ah 126, waxaadna ka heli kartaa macluumaad dheeraad ah boggaga warbaahinta bulshada ee Telebur (https://telehub.ethiotelecom.et/).
8. Joojinta qandaraaska
Waxaan xaq u yeelan doonaa inaan joojino ama joojino heshiiskan gabi ahaan ama qayb ahaan xadgudubkaaga, si xun u isticmaalkaaga, ama khayaanada mid ka mid ah kaydinta deymaha iyo adeegyada amaahda iyada oo ogaysiis hore aan lagu siin ama la'aanteed. Joojinta heshiiskan gabi ahaanba ama qayb ahaan ma saamaynayso wax xuquuq ah oo la ururiyey iyo waajibaadka labada dhinac.
.
9. Cabashooyinka
Cabashooyinka waxaa laga yaabaa inay u joogaan shaqsi ahaan, qoraal ahaan, boostada, fakiska, iimaylka ama telefoon ahaan. Ethio telecom waxay qaadi doontaa talaabooyin kasta oo ay ku xalin karto cabashooyinkaaga wakhti macquul ah gudaheed. Haddii aanad ku qanacsanayn jawaabta, waxaad arrinta u gudbin kartaa Dashin bank yo Bangiga Qaranka ee Itoobiya si isdaba joog ah.
10. Xallinta Khilaafaadka
Khilaaf kasta oo ka dhasha ama la xidhiidha heshiiskan ee aan lagu xalin sida ku cad qodobka 9aad ee sare waxa loo gudbin doonaa maxkamadda federaalka Itoobiya oo awood u leh kiiska.
11. Xaqa Xannaanaynta
Waxa aanu ku yeelan doonaa damiin guud dhammaan hantidaada/hantidaada haddii ay dhacdo in aad nagu leedahay wax lacag ah oo ay ku jiraan laakiin aan ku xaddidnayn lacag caddaan ah, badeecooyin, dammaanad ama alaab qiimo leh oo loo kaydiyay haynta badbaado ahaan ammaan ahaan jeegag la soo bandhigay, biilasha iyo hanti kasta oo guurto ama ma guurto ah. Haddii aad dayn nagu leedahay duruufo ina siinaya xaqa inaan ka baxno, dhammaan hantida lagu haysto deymaha waxaa loo qaadanayaa in lagu haysto dammaanad daynta.
12. Dulqaadka
Haddii aan kuu oggolaanno inaad dib u bixiso qaddarka deynta ee aad qaadatay, oo aadan awoodin inaad ku bixiso muddada xaddidan, waxaan ka qaadan karnaa qaddarka deyntaada dhigaalka kale ee bangiga ee aad ku leedahay bangiga, hadday tahay lacag caddaan ah, kayd ah, dhigaal xilliyeed, dhigaal wadajir ah ama mid gaar ah.
13. Diidmada
PIN-kaaga waa inuu ahaadaa mid sir ah oo aan la heli karin cid aan adiga ahayn. Adiga ayaa kaligaa mas'uul ka ah wixii khasaare/dhaawac ah ee aad gaysan karto haddii aad lumiso PIN-kaaga cid saddexaad ama aad ku guul daraysato inaad si joogto ah u beddesho, u isticmaasho teleefankaaga si aan la ogolayn, ama aad ku guul dareysato inaad si degdeg ah u ogeysiiso cidda ay khusayso oo isla markiiba hakiso haddii taleefanka gacanta ama SIM kaarkaaga la xado ama uu lumo.