Fetno Derash Microfinance Institution (FDMFI) is seeking experienced and qualified technology vendors to provide a modern, scalable Cloud-based SaaS Micro Digital Lending Platform.

FETNO DERASH MICROFINANCE INSTITUTION S.C

REQUEST FOR EXPRESSION OF INTEREST (REOI)

PROVISION OF A MICRO DIGITAL L ENDING

PLATFORM FOR MFI OPERATIONS

1. Background

Fetno Derash Microfinance Institution (FDMFI) is a licensed microfinance institution promoting financial inclusion through accessible credit for unbanked and underbanked people, focusing on retail borrowers and micro-entrepreneurs (MSMEs). To scale its micro-lending operations, FDMFI invites experienced and qualified technology vendors to submit an Expression of Interest (EOI) for a modern, scalable Cloud-based SaaS Micro Digital Lending Platform.

2. Objective

To implement an end-to-end micro digital lending solution for high-volume, low-ticket loans that automates the full loan lifecycle, from instant digital onboarding and automated credit scoring to disbursement and collections, with real-time synchronization with our existing Core Banking System (CBS).

3. Key Features Required

• Onboarding & e-KYC: mobile app, USSD or web: rapid identity verification and consent management.
•  Decision Engine: rules-based credit scoring using alternative data and cash-flow analytics.
• LOS/LMS: automated disbursement; daily, weekly or monthly repayments; fees and penalties.
• CBS Integration: secure, real-time, bi-directional
• APIs for ledger accuracy and reconciliation.
• Collections: SMS/WhatsApp/push reminders, payment links and field-agent tools.
• Analytics: real-time dashboards on portfolio health, PAR, defaults and disbursement velocity.

4. Submission Requirements

Interested and eligible vendors should submit an EOI dossier comprising:

1. Corporate Profile: company overview, years in business and relevant microfinance fintech experience.
2. Technical Overview: SaaS architecture, data security and approach to CBS integration.
3. Client References: at least 3 successful similar digital lending implementations (micro-lending or MSMEs).
4. Implementation Methodology: estimated timeline and resource plan for cloud deployment.
5. Timeline & Submission

Email subject line: REOI for Micro Digital Lending Platform - [Company Name]

Note: This REOI is for information gathering and pre-qualification only and does not constitute a commitment to purchase. Only shortlisted vendors will be invited to the subsequent Request for Proposal (RFP) stage.

Tender details

• Deadline: 2026-10-15
• Bid closing time: 17:00
• Bid opening: 2026-10-15 17:00
• Bid opening (note): No Specific Opening Date and Time
• Region: Addis Ababa
• Publishing entity: Fetno Derash Microfinance Institution
• Published on: Reporter (Oct 04, 2026)
• Posted at: 2026-10-05T12:08:08.000Z
• Source: Qelal Tenders