Company Profile

INFINITY SACCOs LTD - Unity for Sustainable Development!

Chapter 01

Company Overview

Infinity Savings and Credit Cooperatives (Infinity SACCOs LTD) is a legally established cooperative financial institution formed in accordance with Cooperative Societies Proclamation No. 985/2009 of Ethiopia. The SACCO was founded on 02/05/2018 E.C. by 526 founding members with an initial capital of ETB 10,000,000 (Ten Million Birr).

Infinity SACCOs was established to promote a strong savings culture and to address common financial challenges faced by individuals and communities—such as limited access to finance, poor financial management practices and lack of inclusive financial services—through collective effort and shared responsibility.

With its head office opened in Addis Ababa, Infinity SACCOs LTD is expanding its reach nationally to serve low- and middle-income communities by providing accessible, efficient and reliable interest-based and interest-free financial services.

Chapter 02

Strategic Foundation

Our Vision

By 2030, to become a nationally sustainable, competitive, and modern basic savings and credit cooperative that ensures the social and economic well-being of its members by providing interest-bearing and interest-free financial services.

Our Mission

To create a society with a culture of savings, provide a competitive workforce using modern technology, and establish a credit system that brings sustainable change. We aim to ensure social and economic benefits for all members by facilitating accessible and reliable financial provision.

Core Values

  • Sustainability
  • Brotherhood & Benefit
  • Self-help Culture
  • Responsibility
  • Equality & Fairness
  • Democratic Culture
Chapter 03

SACCOs Principles

  • Voluntary and open membership
  • Democratic member control
  • Economic participation of members
  • Autonomy and self-management
  • Continuous education and training
  • Cooperation among cooperatives
  • Commitment to community-based development
Chapter 04

Membership Requirements

Chapter 05

Savings Products

  • Regular (Mandatory) Savings
  • Voluntary Savings (Vehicle, House, Health)
  • Interest-Free Savings
  • Time Deposit Savings
  • Children’s Savings
  • Women & Youth Focused Schemes
Chapter 06

Credit Services

Loan Durations

Short-Term (Up to 2 yrs) | Medium-Term (2–5 yrs) | Long-Term (5–10 yrs)

Loan Category Loan Ceiling Advance Savings
Social Loans (Wedding, Holiday, etc.)ETB 400,00020%
Business Loans (Start-up/Expansion)ETB 1,500,00025%
Vehicle Loans (Inc. Electric)ETB 3,000,00030%
Housing Loans (Purchase/Renovate)ETB 4,000,00030%
Special Loans (Disability/Newly Married)ETB 3,000,00050%

Interest and Fees

  • Interest Rate: 12.5% – 15.5%
  • Service Fee: 2.5%
  • Late Penalty: 7% on balance
  • Life Insurance applies to all loans

Accepted Collateral

  • Salary Guarantee
  • Vehicle/House Ownership Doc
  • Shares and Savings
  • Financial Guarantees
Chapter 07

Organizational Structure

Infinity SACCOs Organogram
Chapter 08

Why Choose Us

  • Strong founding capital & wide base
  • Inclusive financial services
  • Competitive & flexible loan products
  • Transparent member-driven governance
  • Sustainable community development
  • Ownership

Contact Information

Head Office: Addis Ababa, Ethiopia

0934024355 0906305444

Infinity SACCOs LTD – Unity for Sustainable Development!

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