Sheba Credit is built for the person who has never been given a credit score, and for the institution that has never been able to see them. The same consented data serves both — from opposite sides of the same decision.
A credit identity built from the life you already live — mobile money, savings, agricultural activity — not from loans you were never given the chance to take.
One REST call returns a score, reason codes and a confidence measure for any consenting Ethiopian — with a tamper-evident record written for every query you make.
Different lenders need different things from the same file. These are the segments Sheba Credit is built to serve.
Meet the NBE pre-lending query requirement automatically, reduce non-performing loans, and extend portfolios into a market your current data cannot reach.
Score small borrowers who have never held a bank account. Group lending and cooperative repayment histories count as real evidence rather than absence.
Integrate credit data into your decisioning in days, not quarters. Sandbox keys, REST endpoints and reason codes structured for automated policy.
Sheba Agri scores built around seasonal income and harvest-cycle repayment — the pattern conventional scorecards read as instability.
Consented wallet and mobile-money history becomes a lending signal — whether you are a data partner, a lender in your own right, or both.
Target and monitor inclusion lending with per-query evidence, so programme reporting rests on records rather than estimates.
If you lend in Ethiopia and none of the above quite describes you, it is still worth talking. The bureau is being built now, and early partners shape what it becomes.