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ስለ እኛ / About Us
Empowering Individuals & Communities
OPAL SACCO is a member-based financial cooperative legally established in Addis Ababa, committed to empowering individuals and communities through inclusive, reliable, and innovative savings and credit services. We provide both interest-based and interest-free (Sharia-compliant) financial solutions designed to support personal growth, small businesses, and long-term financial security.
Our Vision
To become a leading digital-based saving and credit cooperative in Ethiopia by 2030.
Our Promise
- Secure and affordable financial services
- Member-focused and inclusive solutions
- Transparency, trust, and professionalism
የእኛ አገልግሎቶች / Our Services
We offer diversified savings and credit products tailored to our members' financial needs.
የቁጠባ አይነቶች / Savings Products
- Voluntary SavingsAttractive 8% interest rate
- Opal Children’s & Women's SavingsSpecial accounts with attractive 8.5% interest rate
- Other Savings OptionsFixed-Term (Time Deposit), Housing, Vehicle, and Current Savings
የብድር አይነቶች / Loan Products
- Business & PersonalBusiness expansion, personal, emergency, and salary-backed loans
- Asset AcquisitionHousing purchase and vehicle purchase loans
- Interest-Free FinancingSharia-Compliant financing options available
Who Can Join?
To become a member of OPAL SACCOs, interested individuals are kindly requested to fulfill the following requirements:
- 1Individuals aged 18 years and above
- 2Minimum share purchase: 2 shares (1,000 ETB each)
- 3Monthly regular savings: Minimum Birr 500
- 4Registration fee: Birr 500 (one-time)
- 5Valid National/Kebele ID & 2 passport-size photos