Built for every lender in the Ethiopian credit ecosystem.
One governed platform, many lending models. Each institution runs its own policy on shared, verified signals - from group lending to salaried and merchant credit.
Institution-specific, by design
Branch, field and mobile-first workflows for group and individual lending in thin-file segments.
Member evaluation, share-capital, guarantors and cooperative-trust signals.
SME, salaried, merchant and diaspora-backed lending with full policy control.
Wallet and switch activity as permitted signals, with stacking visibility across lenders.
Embedded, point-of-need credit with capacity tied to observed cashflow.
A free Duruj Passport: see your readiness score, manage profile sharing and build credit history.
- 1Configure your policySet product rules, weights, eligibility and limits in a governed console - no code required.
- 2Connect your channelAPI, CSV/SFTP or branch console - whatever fits your operation.
- 3Decide with confidenceScore, reasons and recommendations support your committee; the audit trail covers every request.
Find your lending model.
Tell us how you lend and we'll show the fastest path to a governed, explainable score.