24+ year-long involvement

Accessing low income households to credit has been the key charactersics of DECSI since its foundation in 1994.

ØInitially, DECSI was established as Rural Credit Scheme of Tigray under the umbrela of REST in response to scio-economic study: 

oMajor Finding: Without access to capital or savings, a vast majority of the population simply could not rehabilitate or develop.

ØAfter 3 years in 1997, the scheme was separated from REST and  become a legal entity as a share company:

oDedebit Credit and Saving Institution share company (DECSI),

Now,  as of June 2018, total # of Staff is 3,054

 

  • House Loan

  • Provided to a solidarity peer group of at least 3 members as guarantee.
  • Maximum loan allowed is Birr
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  • ናብ ደደቢት ትፍልም እንኻዕ ብዳሕና መፃኹም

  • Foundation

People of Tigray suffered for decades with severe hardships of civil war, droughts, and conflicts. It is also known that the previous regimes made no efforts at all in improving the life standard of the ordinary people. More

  • Vision & Mision

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  • Core banking

From the most known hotels to the hippest AirBNB apartments, you’ll find out the best place to stay. More

  • M-BIRR

DECSI at regional level has launched the M-BIRR mobile  banking.Indoor and outdoor M-BIRR 

More

Products and Services

  • Regular loan

Provided to a solidarity peer group of at least 3 members as guarantee.Maximum loan allowed is Birr…More

  • Agricultural input loan

This type of loan is given entirely for purchase of agricultural inputs like fertilizers and selected seeds.

  • Regular loan

This type of loan is given entirely for purchase of agricultural inputs like fertilizers and selected seeds.

  • Civil servant loan

These are unique customers of regular loan. Civil servants are simultaneously among the customers of regular loans.More 

  • Rural Package Loan

This product is a primary operation of Dedebit Microfinance as it is utilizing major resources of the institution...More 

  • Urban package Loan

This product is a primary operation of Dedebit Microfinance as it is utilizing major resources of the institution...More 

  • Saving program

It is intended to boost the economy by developing the culture of saving. More

  • Credit Life Micro Insurance

DECSI designed a suitable financial product with credit life insurance to the rural and urban poor which covers the outstanding loan with interest. More

  • Local money transfer

This service has been introduced to DECSI clients and non-clients.It enables customers to transfer money across branches over a vast distance in a timely, certain and safe manner.. More