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Capital at risk — this is not a savings product

Investing in private companies is high risk. You may lose your entire investment. These securities are illiquid — there is no secondary market and you should expect to hold for years. Returns are not guaranteed and past performance tells you nothing about the future. Abyssinia Crowdinvest does not give investment advice and does not recommend any offering.

Debt noteOpen16 days left · closes 09 Sept 2026

Selam Dairy Cooperative — 0% women-led impact loan

Abay Agro-Milling PLC · Agro-processing · Bahir Dar

Interest-free working-capital loan for a women-led dairy cooperative in Oromia. From ETB 1,000 — repaid monthly over 12 months to your own account.

ETB 82,000
raised of ETB 800,000 minimum
2
investors
◆ minimum ETB 800,00010% of minimummaximum ETB 2,000,000
Security

Key terms

Instrument
Secured note
Interest rate
0% p.a.
Term
12 months
Repayment
AMORTIZING
Issuer

About the company

Abay Agro-Milling operates a 120-tonne/day flour and pulses mill in the Amhara region, sourcing wheat and chickpeas from approximately 4,200 smallholder farmers.

Legal form
PLC
Registration
MT/AA/14/0098765
TIN
0012345678
Incorporated
2019
Issuer-declared

Impact

35
jobs supported
380
smallholder farmers
Women-led business

Finances 380 supplying farm households; the cooperative is majority women-owned and led.

Figures are declared by the issuer in the disclosure package, not verified by the platform.

Immutable & versioned

Disclosure package

Financial statementsv1 · 665035f197… · published 10 Aug 2026

Audited financial statements for Selam Dairy Cooperative covering the two most recent fiscal years, prepared under IFRS for SMEs and signed by an ECMA-recognised audit firm.

Offering memorandumv1 · da4897d7b1… · published 10 Aug 2026

Full offering memorandum for Selam Dairy Cooperative. Contains the complete legal terms of the offer, the issuer's corporate history, capital structure, material contracts, litigation history and audited financial statements.

Key risk summary (plain language)v1 · 850d97e553… · published 10 Aug 2026

This is an interest-free loan: your best case is getting exactly your money back, in monthly installments. If the cooperative cannot repay, you may lose some or all of it. There is no interest to compensate you for that risk — you are lending for impact, not return.

Security termsv1 · d0e4f2ad6a… · published 10 Aug 2026

Interest-free (0%) loan, repaid in 12 equal monthly installments to each investor's own account via the escrow partner. No investor wallet exists on this platform.

Use of fundsv1 · 52f0749e35… · published 10 Aug 2026

Two milk chilling tanks, feed stock for the dry season, and veterinary services for member households.

Each document is immutable once published. Corrections are issued as a new version, never an overwrite, so the exact text an investor relied on remains permanently retrievable (§5.7.1).

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Investor protections
  • · Funds held by an external licensed escrow partner — never by this platform
  • · All-or-nothing: automatic full refund if the minimum is not met
  • · 48-hour cooling-off cancellation, no penalty
  • · Release to the issuer requires two separate authorised signatories
  • · Every attempted transaction is logged, including abandoned ones (Art. 73)