Siinqee Bank (S.

C)
Ulaagaa Karoorri Daldalaa Waldooleen IMX Guutuu Qabu
 Ulaagaa Karoorri Daldalaa Waldoolee IMX Guutuu Qabu
Gosoota Ibsaa Descriptions
La, Dookumantii Type of Document
barbaachisu Tartiiba Adeemsi Liqii Ittiin Ilaalamu Needed Loan Processing Checklist
 Guyyaa, hanga liqii, kaayyoo liqii, turtii liqii,  Dated, amount & conditions, loan purpose,
 Haala/instoolmantii deebii liqii,  Loan term, Mode of payment,
Loan
1 Iyyata Liqii  Ibsa gosa wabii yaadame qaama iyyatuun ykn nama aangoon  Type of collateral proposed stated &
Application
bakka bu'ummaa qaama seeraan kennameen mallattaa'ee fi signed/stamped by applicant/authorized personnel
chaappa'ee dhiyyaata (with legal mandate) with signature verification.
Akkaataa istaandardii unka gaaffii liqiin odeeffannoo barbaachisu  Per standard CRF format (ensure filling of all
Unka Credit Request
2 hundi guutamee hojjetaa baankii fi qaama iyyannoo galche waliin required details & signed by bank staff and
Gaaffii Liqii Form ( CRF)
mallatteessuu. applicant)
 Heyyama daldalaa Waldoolee haaromee fi oriiginaala waliin  Renewed MSE's trade license Certificate (verified
mirkanaa'e with the original)
 Viable Business plan with forecasted cash flow
 Karoora daldalaa bu'aa qabeessa ta'ee fi dhangala'a maallaqaa statements (For New MSE'S) with detail cost
ibsu, ibsa karoora gatii caccabee waliin (Waldolee haaraaf) break down
Sanadaaww  Signed and stamped business plan both by MSME,
 Karoora daladalaa Waldoolee IMX fi WKTIT/ejensiin
an seeraa, Legal one stop service or the agency
mallattaa'ee fi chaappa'e
akkaataa Documents, as  TIN in the Name of MSME's and all members of
3 TIN maqaa Waldaatiin qophee fi miseensota waldoolee hunda
barbaachisu  appropriate MSME'S (verified with the original)
mmaa ibsu oriiginaala waliin mirkanaa'e
 Ittiin bulmaata fi barreeffama hundeeffama gosoota daldala  Registered Memorandum and Article of
isaatti
hundaa (Waldaalee hojii Gamtaa/cooperative), PLC, W.A., associations for all types of business including
W/Shaarikaa) oriiginaal waliin mirkanaa'e, otoo daldala itti cooperative MSMEs (like PLC,S.C, Partnership)
gaafatamni isaa dhuunfaa ta'e hin dabalatiin excluding Sole proprietorship.Verified with
Original
 Qaboo yaa'ii abbootii Aksiyoona dhaabbatichaa (yoo jiraate)  Minute of shareholders of the company, if any
 Ulaagaa Karoorri Daldalaa Waldoolee IMX Guutuu Qabu
Gosoota Ibsaa
Type of Descriptions
La, Dookumantii
Tartiiba Adeemsi Liqii Ittiin Ilaalamu Document
barbaachisu Loan Processing Checklist
Needed
 Sanada haala gaa'elaa ibsu oriiginaala waliin mirkanaa'e .
Sanada  Yoo hin fuune ykn hin heerumne ta'e immoo ragaa maatii hin Marital
4  Document confirming Marital status (verified with the
Gaa'elaa ijaarree ibsu qaama aangoo ragaa kana kennu irraa Status
original)
dhiyyeeffatu Document

 Tilmaama qabeenyaa, ogeessa tilmaamee fi mirkaneesseen kan

guutamee fi mallattaa'e  Estimation form dully filled and signed by the maker and
 Ragaa abbaa qabeenyummaa lafaa fi Dabtara abbaa checker of Collateral Valuators.
qabeenyummaa/libireen oriiginaala waliin kan mirkanaa'e Collateral  LHC, Libre (Title deed) verified with original Document
Tilmaama
 Suura qabeenya wabummaaf faayila liqii keessatti galmaa'e Property  Photos of collateral properties filed in loan files signed by
5 Qabeenya
yoo xiqqaate sadii kan hojjetaa baankiin mallattaa'ee fi Estimatio bank staff & stamped by branch(At least three photo)
Wabii
chaappaan dameen itti rukutame. n  Land lease Agreement
 Waliigaltee liizii Lafaa  Collection of estimation fee as per the bank’s terms &
 Nagahee kaffaltii tilmaamaa akkaataa dambii fi taarifa tariffs(attach ticket in loan file)
baankiin faayila liqii keessatti qabsiisuu
 Xalayaa mirkaneessa dirqama gibira kaffaluu ibsu waajjira
 Confirmation letter from the concerned office on
dhimmi ilaallatu irraa kan maqaa Waldaa liqeeffatuun
Sanada fulfillment of tax obligation in the name of loanee MSME
barreeffame, Tax
Gibira  Leader of MSME'S with spouse and Mortgagers and their
6  Dura taa'aa waldaa fi Haadha warraa isaa, qaama wabummaaf Clearance
qulqulleess spouses, if any
qabeenya qabsiisu fi haadha warraa isaa dabalatee. Document
u  valid for six months from date of application.
 Guyyaa iyyannoo galchan irraa eegalee ji'a jahaaf kan tajaajilu
ta’a.
 Ulaagaa Karoorri Daldalaa Waldoolee IMX Guutuu Qabu
Gosoota Ibsaa Type of Descriptions
La, Dookumantii Document
Tartiiba Adeemsi Liqii Ittiin Ilaalamu Loan Processing Checklist
barbaachisu Needed
 Odeeffannoo Liqii(CIS) maqaa Waldaa, Dura ta'aa fi haadha  Collection of credit information(CIS) in the name
warraa isaa, of Loanee MSME ,
Odeeffannoo  Qaama wabii ta'ee fi haadha warraa isaanii dabalatee Credit  Leader of MSME'S with spouse, Mortgager and
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Liqii  Nagahee kaffaltiin odeeffannoo liqii itti ilaalame(CIS)VAT Information their spouses.
waliin akkaataa dambii fi taarifa baankiin sassaabame faayila  Collection of CIS fee with VAT as per the bank’s
liqii waliin wal qabsiisuu, terms & tariffs (attach ticket in loan file)
Qusannaa  Ragaa qusannaa dirqii Liqiin duraa:- Waldooleen IMX liqii  Evidence of Pre-loan saving: borrowers are
8 Dirqii Liqiin gaafatan qusannaa dirqii liqiin duraa 10% hanga liqii Mandatory
required to save 10% of the loan request as a pre-
Duraa gaafataniin qusachuu Preloan saving
loan saving (For MSE's )
Bakka
Bu'insa  Akka barbaachisummaa isaatti, bakki bu'insa qaama seeraan  Power of attorney where necessary (commented
Power of
9 qaama kenname kan liqeeffataa ykn bakka bu'aa mallatteessisuu up on legal department) that enable the
Attorney
seeraan danda'u(kan kutaa seeraan yaadni itti kennamu ta'uu qaba) loanee/agent to sign on the principal’s behalf.
kenname
 Audited financial statements for loan request
 liqiin gaafatame liqii irra jiru dabalatee miliyoona Financial
(including, loan outstanding) Br. 10 million &
kudhanii(10 million) fi isaa ol yoo ta'e ibsa faayinaansii Statements(incl
Ibsa above (mandatory)
gabaasa odiiti ta'e dhiyyeessuun dirqama. uding
Faayinaansii  Audited financial statements for loan request
 Ibsa faayinaansii kan waggaa tokkoo yoo gaaffiin liqii Supporting
10 Isteetimantii (including, loan outstanding) Br. 10 million &
miliyoona 10 gadi ta’e (bara baajataa guutuu)dhiyyeeffachuu Documents for
(Dookumant above (mandatory)
qaba. Material
oota)  Provisional financial statements if request below
 Ibsa faayinaansii Yeroo dhiyoo ji’a sadii hin caalle (kutaa bara Balance Sheet
Birr 10 million (full fiscal year)
baajataa) dhiyyeeffachuu qaba . items)
 Ulaagaa Karoora Daldalaa Waldoolee IMX Guutuu Qabu
Gosoota Ibsaa Type of Document Descriptions
La, Dookumantii Needed Loan Processing Checklist
barbaachisu Tartiiba Adeemsi Liqii Ittiin Ilaalamu
 Proof of identity with spouse (ID, passport, etc)
Sanadoota  Eenyummaa liqeeffattootaa fi haadha manaa isaanii waraqaa verified with the original.
dabalataa eenyummaa Gandaa/ID,Paaspoortii fi kkf oriiginaala isaa Other
biroo gaaffii waliin mirkaneessuu. supporting
 Certificate or any evidences of experience, skill or
liqii  Ragaa sartifikeetaa ykn muuxannoo, oogummaa fi leenjii documents, as
trainings implying operators’ capacity to run the
11 gaafatamu dandeettii waldooleen daldalicha sochoosuu danda'uu required
business for MSE'S (optional)
irratti ibsu(yoo qabaatan) depending on
the loan  Customer Due diligence summary and Annex to
hundaa'uun  Cuunfaa oddeeffannoo eenyummaa maamilaa unka liqiin LAF
barbaadamu irratti mirkanaa'u(LAF) waliin wal qabsiisuu request
Iyyata Liqii  Gabaasa ragaa daawwanna daldalaa unka baankiitiin,  Business visit testimony report as per bank’s
format

 Faayila liqii dhiyyaate oriiginaal waliin wal cinaa qabuun  All Loan processing documents to verify against
qaama dhimmi ilaalatuun kan mallattaa'ee fi chaaphaan originals (Seen with original and signed by
Sanada/Malla damee itti rukutame Document/sign authorized person with Branch stamp)
12 ature  Signatures of loan applicants or authorized
ttoo  Mallattoon iyyattoota liqii ykn qaama iyyannoo liqiif bakka
Mirkaneessuu verification personnel (with legal mandate) verified on loan
bu'ee gaafate iyyannoo liqii fi sanadoota deeggarsa adeemsa applications and supporting loan processing
liqiif dhiyyaate waliin ilaaluun qulqulleessuu/mirkaneessuu documents

Unka Liqiin  Odeeffannoo liqii mirknaa'e hunda kan ibsuu fi miseensa Loan Approval  Containing all the required details and signed by all
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Itti mirknaa'u koree liqii mirkaneessituun kan mallattaa'e ta'a Form (LAF) members of the approving committee