Risk Bands & Products

Loan products and product financing eligibility

Risk Band Classification

Score ranges mapped to risk categories with eligibility guardrails

A

Excellent

5 employees

Lowest risk, highest eligibility

Score Range: 80 - 100

80%-100%

B

Good

2 employees

Low risk, good eligibility

Score Range: 65 - 79

65%-79%

C

Fair

0 employees

Moderate risk, limited eligibility

Score Range: 50 - 64

50%-64%

D

Poor

1 employee

High risk, minimal eligibility

Score Range: 0 - 49

0%-49%

Eligibility Mapping Tool

Check which loan products and product financing are available for each risk band

Loan Product Catalog

Available loan products mapped to risk bands

Premium Personal Loan

Best rates for top-rated employees

Band A

Loan Amount

ETB 50K - ETB 500K

Interest Rate

9.5% p.a.

Tenor

6-60 months

Processing Fee

1%

Standard Personal Loan

Competitive rates for qualified employees

Band ABand B

Loan Amount

ETB 30K - ETB 300K

Interest Rate

12.5% p.a.

Tenor

6-48 months

Processing Fee

1.5%

Emergency Loan

Quick access for urgent needs

Band ABand BBand C

Loan Amount

ETB 10K - ETB 100K

Interest Rate

15% p.a.

Tenor

3-24 months

Processing Fee

2%

Micro Loan

Small loans for immediate needs

Band ABand BBand CBand D

Loan Amount

ETB 5K - ETB 50K

Interest Rate

18% p.a.

Tenor

3-12 months

Processing Fee

2.5%

Education Loan

Support for professional development

Band ABand B

Loan Amount

ETB 20K - ETB 200K

Interest Rate

11% p.a.

Tenor

6-36 months

Processing Fee

1%

Product Financing Catalog

Browse available product financing options by category

Premium Furniture Financing
High-end furniture with best rates
Eligible Risk Bands:
Band A
Amount Range
50,000 - 300,000 ETB
Tenor
6 - 24 months
Interest Rate
8% p.a.
Down Payment
10%
Features:
No processing fee
Free delivery
Extended warranty
Standard Furniture Financing
Affordable furniture financing for all needs
Eligible Risk Bands:
Band ABand B
Amount Range
20,000 - 150,000 ETB
Tenor
6 - 18 months
Interest Rate
12% p.a.
Down Payment
15%
Features:
Low processing fee
Flexible payment