Micro Credit


Micro Credit

A value-added service designed on the premise of “what the consumer needs”, provides ease of access of airtime to subscribers and airtime stock credit to resellers of a telecom operator when they run out of balance, without disrupting the normal flow of business. Micro Credit is an open and transparent service with a clear reporting structure. The telecom operator incurs zero cost, capital expenditure or credit risk as all investment is managed and handled by SDS.


How it works?

With proven experience in managing high volume transactions, SDS acts as a virtual strategic dealer and provides instant loan to ensure subscriber connectivity and reseller business continuity. This dynamic service is powered by intelligent user profiling and is capable of recovering the loan amount automatically at the time of next recharge.



To get a limited amount of loan, subscriber or reseller dial a pre-defined USSD short code. Micro Credit system received the request and after performing various verifications and validations, processes the disbursement of loan amount accordingly.


Key Features

Robust Analytics

Capable of generating Operational, Transactional, Recovery, Utilization, Bad Debt and Reconciliation reports with export functionality. Reports include graphical representations and financial analysis along with the service impact measurement data.

Recovery Engine

Interacts with the Credit Engine to determine the recovery amounts. The outstanding loan amount is recovered automatically at the time of next recharge.

User Self-Care Module

Available to the subscribers and resellers over SMS, USSD and Web, allowing them to request and receive micro credit, check eligibility as well as access their account history.

Customer Care Module

Empowers the telecom operator to monitor performance and check transaction history through an interactive web interface.