Ethical, Transparent, and Sharia-Compliant Financial Solutions
Infinity SACCOs LTD operates under a strict ethical framework that prioritizes social justice.
Interest-free savings are kept in a separate bank account from conventional funds to ensure zero contamination of capital.
We focus on asset-backed financing and profit-sharing models rather than traditional interest-based lending.
Secure your future with our range of interest-free deposit accounts designed for safety and ethical growth.
Safe custody with a guarantee. These regular savings help you qualify for financing after just 6 months of membership.
Benevolent interest-free loans to the SACCO. A demand deposit that allows you to withdraw your full balance at any time.
Investment contracts where you provide capital and we provide expertise. Profits are shared based on pre-agreed ratios.
A specialized daily collection system designed to help small business owners and traders build consistent capital.
The SACCOs buys the asset you identify and sells it to you at a disclosed profit margin, paid in installments.
The SACCOs owns the asset and rents it to you. Ownership transfers to you once all rental payments are complete.
A joint venture where SACCOs and member contribute capital. Profits are shared per agreement.
Financing for manufacturing or building items. Funds are released in stages as construction progresses.
We provide assets and services, never direct cash, through ethical contracts designed to empower our members.
| Service Category | Max Limit (ETB) | Pre-Saving Req. | Max Term | Profit Rate |
|---|---|---|---|---|
| Social Loan | 400,000 | 20% | 4 Years | 12.5% - 14% |
| Business/Economy | 2,000,000 | 25% | 6 Years | 14% - 15% |
| Vehicle (Car) | 3,000,000 | 30% | 10 Years | 15.5% |
| Housing | 4,000,000 | 30% | 10 Years | 15.5% |
Settling debt early rewards you with a profit margin refund:
Members contribute 2.5% to a shared pool to cover debt in case of disability or unforeseen death.
Sharia Oversight: All products are audited by our 3-person Sharia Advisory Committee.
Join Infinity SACCOs today and benefit from interest-free growth and ethical financing.
Effective Date: May 11, 2026
Infinity SACCOs LTD respecting your privacy and is committed to protecting your personal data.
We may collect Identity Data, Contact Data, and Financial Data.
By registering, you agree to abide by our bylaws and the Cooperative Societies Proclamation of Ethiopia.