Your Sheba Score is the weighted sum of these factors. The % shows how much each one moves your total score.
Score History 7 months
Recent Activity View all →
Example Loan Offer — not your offer
Example facility size
ETB 45,000
Indicative only — not an offer
Rate12.5% p.a.
Max Term36 months
Decision byA licensed partner lender (none appointed yet)
Ways to Improve +52 pts available
Illustrative preview Sample data
Everything on this page is sample data — not your real borrowing. It illustrates how your obligations, accounts and payment history will appear once lenders report to Sheba. Nothing here is a real account you hold.
4
Based on 4 contributing lenders
Sample
A partial view — this reflects only lenders reporting to Sheba, not your full borrowing.
Obligations reported to Sheba Sample4 lenders
Active bank accounts Sample4 lenders
Payment history Sample
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✓On-time✗Missed–No data
Bill Radar — next 30 days Samplereminders saved on this device
Payment History is 35% of your score — never missing a due date is the single highest-leverage habit. “I paid this” stays pending until your lender’s data confirms it: an unconfirmed claim is never treated as good.
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Searches — last 12 months
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Hard inquiries (can affect score)
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Soft inquiries (no score impact)
Who searched my file
Every time a bank or registered institution accesses your credit file, it is recorded here — permanently.
Hard = you applied for credit (a lender checked you to lend). Soft = a review or account check; soft inquiries never affect your score.
My disputes
Don't recognise a search? Dispute it and our team investigates. The inquiry record itself is never altered — your dispute is tracked alongside it.
Boost your score
The payments you already make — power, airtime, rent, iqub — becoming credit history.
Preview — none of these channels accept real data yet. Each one requires data-protection and regulatory review before a single record is collected — the same fail-closed discipline that protects your consents. The previews below show how each channel is designed to work; the buttons switch on only after that review clears.
⚡
Utility & rent self-report Payment History
Add your EEU electricity, water and rent payments with receipt evidence. Verified items build the factor worth 35% of your score. Status flow: Self-reported → Pending → Verified — only verified items will ever count.
Pending sign-off
📱
Telebirr statement import Account Activity
Import your own Telebirr statement — parsed entirely on your device, raw transactions never leave your phone. Only derived signals (activity, regularity) would join your file, with your consent.
Pending sign-off
🤝
Iqub circle attestation Savings History
Your iqub is real credit history — years of group-savings discipline no bureau has ever seen. Fellow members or your collector co-attest your on-time contributions with a one-tap link.
Pending sign-off
🕊
Iddir membership tenure Identity & Standing
Your iddir secretary confirms membership tenure — community standing, attested by the community itself.
Pending sign-off
🌍
Diaspora guarantor Loan Offers
Share a read-only snapshot with family abroad; their remittance-backed pledge appears alongside your loan offers. Requires guarantor consent by design — the directive treats guarantors as first-class.
Pending sign-off
Why the wait? Sheba never collects a data type before counsel confirms the lawful basis for using it — the same fail-closed discipline that protects your consents protects what we ask of you.
Sheba Passport
Prove your credit standing to a landlord, employer or lender — without handing over your file.
Sheba Score Passport · Preview
Good
Band only — never the number, never your data
Single-use · expires in 72h · revocable · every check logged to your file
How it will work
1. You mint a passport — a signed, single-use link or QR. 2. The verifier sees one page: “Verified by Sheba — Band: Good”. No score number, no history, no identity beyond what you choose. 3. The check lands in Who Searched Me as a consumer-consented disclosure you can revoke.
Attesting a real score to a third party is compliance-sensitive score display; it ships only after compliance sign-off of the disclosure format. The preview above is illustrative.
Alerts
What should this device tell you about? Saved locally — nothing leaves your phone.
Score changed on the monthly update
A banner on your dashboard the first time you open it after your score moves — up or down, we tell you either way.
Bill Radar reminders
Show upcoming due dates from your Credit File on the dashboard.
Monthly score story
The “what moved and why” recap chip each cycle.
Email & SMS alerts
Ships with Sheba's notification infrastructure — an honest “not yet”, not a broken toggle.
Share your score story
The shareable summary card is with compliance for copy sign-off (score display outside the app).
Account Settings
Manage your profile and account preferences
Profile Information
Your Fayda identity is set by verification, not typed — it can't be edited here.
Change Password
Danger Zone
Permanently delete your account and all associated data. This cannot be undone.
Type DELETE to confirm:
My Credit Score
Full breakdown of what affects your score
782
out of 850
Excellent
Score Range
720 – 850
Last Updated
Just now
Data Sources
4 Active
Update Cycle
Monthly
Score Factors
Your Sheba Score is a weighted sum of five factors. The weight next to each one is how much it counts toward your total — improve a high-weight factor and your score moves more. Financial Literacy rises as you finish Learn & Earn modules.
Telebirr Payments
On-time mobile money payments are your strongest factor.
92/100
Excellent
Savings History
Regular deposits to Sheba Save boost your score significantly.
84/100
Very Good
Utility Payments
EEPCO and water bill payments tracked via open banking.
78/100
Good
Financial Literacy
Complete more Learn & Earn modules to improve this.
55/100
Moderate
Open Banking
2 banks connected. Add more to increase your score.
72/100
Good
Score simulator
Estimate
Drag the habits below to see your projected score and 12-month path. Estimated from your real factor weights — illustrative, not a promise or an offer.
Today
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Projected
—
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12-month projection
Weights are pending actuarial validation, so this can't be used for a lending decision. Habits take effect on your monthly score update as verified data arrives.
Loan Offers
Example loan offers illustrating how lenders could use a Sheba Score of 782. No lender has seen your file and nothing below is an offer — Sheba Credit does not lend, does not approve credit, and does not set interest rates. A licensed lender makes every decision.
3 example loan products below
Illustrative only — based on your score band, not reviewed by any lender
BEST OFFER
Personal Loan
ETB 45,000
Interest Rate
12.5%
per annum
Monthly Payment
ETB 2,140
estimated
Processing
24hrs
after approval
Business Micro-Loan
ETB 20,000
Interest Rate
14.0%
per annum
Monthly Payment
ETB 1,800
estimated
Processing
48hrs
after approval
Education Loan
ETB 15,000
Interest Rate
10.0%
per annum
Monthly Payment
ETB 480
estimated
Processing
72hrs
after approval
Sheba Save
Commit and save monthly to build a reported credit history — no loan, no interest, funds stay yours.
Your commitment plan
Month 8 of 12
ETB 500 / month · 12-month plan
● On track
Started Nov 20254 months to unlock
Each on-time deposit is reported to your Sheba file as a verified savings-installment event, anchored to your Fayda identity.
Milestones
✓
3 months
Reached
✓
6 months
Reached
9
9 months
Next
12 · Unlock
Savings released
Each milestone strengthens your Savings History factor. The exact score contribution is set by the Sheba score model — the figures shown here are illustrative.
Total Saved
ETB 8,160
+ETB 680 this month
Saving Streak
8 mo
consistent deposits
Savings History
Strong
illustrative — feeds your score
What this is building
Your on-time streak feeds the Savings History factor of your Sheba Score, recomputed on the monthly cycle — the same Updated monthly cadence shown on your dashboard. No loan, no interest, and Sheba never holds your money — at launch your savings will sit with a licensed partner institution and stay yours throughout. No partner has been appointed yet.
Fund your plan
Add this month's deposit via Telebirr
Sheba Save pays no interest and Sheba never holds your money. At launch, savings will be held by a licensed partner institution and unlock at the end of your plan — for now, saving simply builds your credit history.
Miss a month? Your streak simply pauses.
A paused streak is never a debt or a default — these are your own savings. Resume anytime and pick up where you left off.
When your plan completes
At Month 12 your savings unlock. Choose what's next — options shown are illustrative.
↻
Keep saving
Start a fresh plan and extend your streak.
🏦
Partner savings account
Move your unlocked savings to an account with a licensed partner institution — not yet appointed.
→
Explore a first loan offer
Use the history you've built. See Loan Offers ›
Transaction History
Telebirr deposit
Mar 1, 2026
+ETB 680
Telebirr deposit
Feb 1, 2026
+ETB 500
Telebirr deposit
Jan 1, 2026
+ETB 500
Telebirr deposit
Dec 1, 2025
+ETB 1,000
Opening deposit
Sep 1, 2025
+ETB 2,000
Learn & Earn
Complete modules to earn points and boost your credit score
Education Points
180
+120 this week
Modules Completed
0 / 6
6 remaining
Each completed module adds education points and lifts your Financial Literacy factor — which is 8% of your Sheba Score. Finish all six to max it out.
Understanding Credit Scores
Learn how credit scores are calculated
Completed
+100 pts
Review →
Mobile Banking Basics
Using Telebirr and CBE Birr safely
Completed
+80 pts
Budgeting Fundamentals
Track income and expenses effectively
In Progress
+150 pts
Loan & Debt Management
How to borrow responsibly
Locked
+200 pts
Investment Basics
Introduction to Ethiopian investment options
Locked
+180 pts
Open Banking Explained
How open banking works in Ethiopia
Locked
+160 pts
Open Banking
Connect your bank accounts to unlock your full credit score. Read-only — we can never move your money.
Read-only access — your money is always safe
We can only view transactions. We cannot move, access, or control your funds.
Connected Banks
Example only — not your data. Connect a real account below to see your own connections here.
Commercial Bank of Ethiopia
Example · Account ending ••••
Example
Telebirr
Example · Number ending ••••
Example
Add a Bank
Awash Bank
Dashen Bank
Bank of Abyssinia
Wegagen Bank
United Bank
Oromia Bank
Sheba Agri
Your agricultural credit profile — scored from cooperative, crop-yield and seasonal data using Sheba's farmer-segment model.
Sheba Agri Score
—
out of 850
Strong
↑ +22 this season
Loan Eligible
ETB 28,000
Land Area
2.4 ha
Cooperative
Member You told us
Season
Meher 2026
Current Season
Teff & Maize Harvest
Jimma Zone, Oromia
Season Progress73%
Cooperative
Jimma Farmers Cooperative
847 members · Est. 2008
Crops This Season
Agri Score Factors
Scored with Sheba's farmer-segment weights — distinct from the urban model (savings, repayment and cooperative standing count for more). The % is each factor's share of your agri score.
Input Financing — indicative example
Example facility size
ETB 28,000
Indicative only — not an offer
PurposeInputs + Equipment
Rate11.0% p.a.
Est. MonthlyETB 2,475/mo
RepaymentHarvest-aligned
Decision byA licensed partner lender (none appointed yet)
This is an example, not an offer. Sheba Credit does not lend, does not approve credit, and does not set rates — no lender has reviewed this file.
Your Data Sources
Most people in Ethiopia have years of paying bills on time that no lender can see.
Telling us where those records are held lets us ask for them on your behalf.
What this does, and what it doesn't
Answering these questions does not change your score. What you type here isn't treated
as evidence — anyone could type anything. It tells us which records exist and who holds them,
so we can go and ask for the real thing. If a source agrees and the actual record arrives,
that may strengthen your file, and we'll tell you when it does. Every permission below
is separate, lasts 24 months, and you can withdraw it whenever you like.
Electricity
A steady record of paying your electricity bill is one of the strongest signals of reliability outside the banking system.
Banks and microfinance
Where you already hold an account is the record lenders trust first.
Mobile and internet
Only postpaid accounts count — a monthly bill with a due date. Prepaid airtime is a purchase, not a commitment, so it carries no payment history.
Credit you already hold
Tick only what applies. Each is a specific record we could ask for — we don't ask a vague "do you have debts", because that answer helps nobody.
Permissions you have given
None yet.
Trust Center
You own your data. See who can use it, and revoke access anytime.
Your file, verified
Nothing on this panel is illustrative — it is read live from your actual file: your consents, the data sources they authorize, your account's access history, and the integrity of the log that protects it all.
Read-only — Sheba can never move or touch your money
We only read consented data to build your score. Nothing here can move funds or make a payment.
Connected data sources
Who can see your score
These institutions have your consent to query your Sheba Score. Revoking stops that institution from scoring you on your next query.
Identity
Fayda national digital ID
Fayda is the anchor of your profile — one person, one verified credit file. It keeps your data tied to you and no one else.
Your data rights
Your consent, and only the data needed to score you. You can take a copy of your data or ask us to delete it — some records are kept for a mandatory retention period while Sheba builds toward NBE licensing.
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Ask Sheba
Guided answers · AI coach on the roadmap · አማርኛ coming with native review