A complete credit infrastructure for individuals, institutions and the Ethiopian economy — built on one platform.
Find your fit
What brings you here?
Sheba Credit Score is where you start.Sheba Save turns your deposits into a score.Sheba Agri was built for your harvest cycle.Sheba Education gets you credit-ready.Open Banking & Credit API is your integration.
Sheba Credit Score
Ethiopia's first real-time AI credit score, built on alternative data from telecom, mobile money and savings behaviour. Free to check your score, available in 5 languages.
Telebirr, Ethio Telecom and mobile-money data as credit signals
300–850 scale with transparent factor explanations
Commit to a monthly amount over 6 or 12 months. Each on-time deposit is reported to your Sheba credit file, building a consistent, verifiable savings history — then you unlock your savings at the end. Your deposits always stay yours — Sheba Save pays no interest; saving simply builds your credit history.
Choose a monthly amount and term — 6 or 12 months
Each on-time deposit is reported to your Sheba credit file
Build a consistent streak — no loan, no interest, funds stay yours
Unlock your savings at the end with a real credit history built
Illustrative plan — no interest, funds held by a partner and always yours.
Sheba Agri
Specialist credit profiling for Ethiopia's 70% farming workforce. Cooperative records, crop yields and input data unlock agricultural lending for people invisible to traditional credit.
Ethiopia's first consent-based open banking platform, paired with the real-time credit reporting API that banks, MFIs and fintechs query before they lend — NBE-aligned, real-time, with a full audit trail.
Consumer-consented data sharing — you control what's shared
Read-only bank connections, never write access
Real-time credit API satisfying the NBE pre-lending query mandate