shega-insight/dfs-glossary huggingface dataset:
Term: Tajaajila Bakka Bu'aa Biratti Kennamu (Over The Counter Services)
Category: Channel
Definition: Tajaajila bakka bu'aan raawwatu hirmaataan tokko (kan ergu yookiin fudhatu) herreega waaletii hin qabne. Fakkeenyaaf, namni maallaqa callaa kennee, bakka bu'aan sun maallaqa elektirooniksii herreega ofii irraa nama biraatiif erga.
Definition (English): It refers to transactions, products, or financial trades that occur directly between two parties, such as in a store, rather than third parties.
Example: Fayyadamaan tokko bilbila osoo hin fayyadamin, maallaqa callaa fi lakkoofsa bilbilaa fudhataa kennuun bakka bu'aa biratti maallaqa erga.
Example (English): A user visits a bank branch office in-person and deposits money at his account. This type of service is an Over The Counter Service.
Term: Fudhataa (Payee)
Category: Role/Actor
Definition: Nama dhuunfaa yookiin dhaabbata sochii faayinaansii keessatti maallaqa fudhatu. Tajaajila dijitaalaa keessatti, fudhataan daldalaa, dhiyeessaa tajaajilaa, yookiin nama maallaqni ergameef ta'uu danda'a.
Definition (English): A payee is the person or organization who receives money in a financial transaction. In digital financial services, the payee can be a merchant, service provider, or individual receiving funds through mobile money, bank transfer, or other channels.
Example: Fayyadamaan kaffaltii kiraa manaa waaletii moobaayilaan abbaa manaatiif erga. Sochii kana keessatti abbaan manaa fudhataa dha. Maallaqa erguu dura maqaa fudhataa mirkaneessi.
Example (English): A user sends rental money to their landlord using a mobile wallet. The landlord is the payee in this transaction.
Term: Kaffalaa (Payer)
Category: Role/Actor
Definition: Nama dhuunfaa yookiin dhaabbata sochii faayinaansii keessatti maallaqa ergu yookiin kaffalu. Tajaajila dijitaalaa keessatti, kaffalaan waaletii moobaayilaa, appilikeeshinii baankii, yookiin koodii USSD fayyadamuun kaffaltii jalqaba.
Definition (English): A payer is the person or organization who sends money in a financial transaction. In digital financial services, the payer initiates the payment using tools like mobile wallets, bank apps, or USSD codes.
Example: Fayyadamaan kaffaltii ibsaa waaletii isaatiin raawwata. Sochii kana keessatti fayyadamaan kaffalaa dha. Kaffalaan herreega gahaa qabaachuu qaba.
Example (English): A user pays their electricity bill using their mobile wallet. The user is the payer in this transaction.
Term: Biiliiwwan Kaffaluu (Paying Bills)
Category: Use case
Definition: Dirqama faayinaansii idilee kanneen akka ibsaa, bishaan, bilbila, yookiin kaffaltii mana barumsaa kaffaluudha. Karaa dijitaalaa (waaletii, appilikeeshinii, USSD) fayyadamuun bakka tajaajilaa osoo hin deemin raawwatama.
Definition (English): Paying bills refers to settling regular financial obligations such as electricity, water, phone, or school fees. In digital financial services, users can pay bills electronically using mobile wallets, banking apps, or USSD codes.
Example: Fayyadamaan kaffaltii ibsaa ji'aa waajjira ibsaa osoo hin deemin koodii USSD fayyadamuun kaffala. Biiliiwwan kaffaluun amma salphaa ta'eera.
Example (English): A user pays their monthly electricity bill using a USSD code from their mobile money wallet without visiting the utility office.
Term: Ce’umsa Kaffaltii (Payment Gateway)
Category: Technology
Definition: Mala teeknoolojii daldaltoonni kaffaltii onlaayinii (kaardii yookiin maallaqa moobaayilaa) akka fudhatan gargaarudha. Odeeffannoo kaffaltii maamila irraa gara baankiitti nageenyaan dabarsa; kaffaltiin mirkanaa'uu isaas daldalaa beeksisa.
Definition (English): A payment gateway is a tool that helps businesses accept payments online through cards, or mobile money. It safely sends payment information from the customer to the bank and tells the business if the payment was approved.
Example: Yeroo mi'a onlaayiniin bittan, odeeffannoo kaardii keessanii kan mirkaneessu mala yookan ce’umsa kaffaltii ti." Ce’umsi kaffaltii odeeffannoo keessan ni eega.
Example (English): When you buy something online and enter your card details, the payment gateway checks if your card works and helps complete the payment.
Term: Dhiheessaa Mala Kaffaltii (Payment Instrument Issuer)
Category: Roles/Players
Definition: Dhaabbata meeshaalee kaffaltii (kaardii, maallaqa elektirooniksii, kkf) maamilaaf dhiheessuun kaffaltiin nageenyaan akka raawwatamu mirkaneessudha.
Example: Dhaabbanni FinTech tokko kaardii kaffaltii yoo dhiheesse, yeroo bittaan raawwatamu herreega gahaa jiraachuu isaa mirkaneessa."
Term: Sirna Kaffaltii (Payment System)
Category: Concepts
Definition: Mala namoonni, daldaltoonni, fi baankonni maallaqa nageenyaan fi saffisaan itti wal-jijjiiranidha. Kunis meeshaalee, seerota, fi tajaajiloota dabarsa maallaqaa dandeessisan hunda of keessatti qabata.
Definition (English): A payment system is a way for people, businesses, and banks to send and receive money safely and quickly. It includes the tools, rules, and services that make money transfers possible.
Term: Raawwachiisaa Sirna Kaffaltii (Payment System Operator)
Category: Roles/Players
Definition: Dhaabbata bu’uura mijeessuun daddabarsa maallaqaa namoota dhuunfaa, daldaltoota, fi baankota gidduutti karaa dijitaalaa ykn elektirooniksiin raawwatamu kan bulchu, qindeessu, fi hojjechiisudha. Fakkenyaaf Dhaabbileen kun sarara fi bu'uura teeknoolojii kaffaltii diriirsuun, baankonni fi daldaltoonni walitti hidhamanii kaffaltii kaardii yookan kaffaltii dijitaalaa biroo karaa salphaa fi amansiisaa ta'een akka walii daddabarsan taasisu. Dhaabbanni kamiyyuu hayyama Baankii Biyyaalessaa osoo hin argatin akka raawwachiisaa sirna kaffaltiitti hojjechuun dhowwadha.
Definition (English): A payment system operator is an organization that manages and runs the system used to move money between people, businesses, and banks
Example (English): EthSwitch, PSS, Arifpay, Chapa, Santimpay
Term: Liqii Namaa-namattii (Peer to Peer Lending)
Category: Use case
Definition: Yeroo namoonni baankii gidduu osoo hin galchin kallattiin walii liqeessanidha. pilaatfoormiin dijitaalaa liqeessaa fi liqeeffataa wal qunnamsiisuun adeemsa liqii (hamma, yeroo kaffaltii, fi dhala) bulchuuf gargaara.
Definition (English): Peer-to-peer lending is when people lend money directly to other people without using a bank. A digital platform connects the lender and the borrower, and helps manage the loan process.
Example: Abbaan suuqii tokko baankii osoo hin deemin, pilaatfoormii dijitaalaa fayyadamuun nama biraa irraa maallaqa liqeeffata.
Example (English): A small shop owner needs money to buy stock. Instead of going to a bank, they borrow from another person through a digital platform. The platform helps both sides agree on the amount, repayment time, and interest.
Term: Waltajjii/Pilaatfoormii (Platform)
Category: Concept
Definition: Iddoo yookiin sirna dijitaalaa namoonni tajaajila faayinaansii kan akka maallaqa erguu, liqeeffachuu, qusachuu, fi kaffaltii raawwachuuf itti fayyadamanidha. Fayyadamtootaa fi dhiyeessitoota tajaajilaa intarneetii ykn neetworkii moobaayilaatiin wal qunnamsiisa.
Definition (English): A platform is a digital space or system that allows people to use financial services like sending money, borrowing, saving, or making payments. It connects users and service providers through the internet or mobile networks.
Example: Namni baadiyyaa jiru bilbila isaa fayyadamuun waltajjii dijitaalaa irratti haftee maallaqa isaa ilaallachuu, erguu, yookiin liqii gaafachuu danda'a. Waltajjiin kun osoo baankii dhaquu hin barbaachisin tajaajila faayinaansii waliin isaan wal qunnamsiisa.
Example (English): A person in a rural area uses their mobile phone to access a digital space where they can send money, check their balance, or apply for a loan. That digital space is called a platform — it connects them to financial services without needing to visit a bank.
Term: Maashinii Kaffaltii (POS) (Point of Sale Device (POS))
Category: Technology/Channel
Definition: Maashinii daldaltoonni kaffaltii maamila irraa fudhachuuf itti fayyadamanidha. Maashiniin kun odeeffannoo kaardii yookiin kaffaltii moobaayilaa dubbisuun daddabarsa maallaqaa raawwachuuf gargaara.
Definition (English): A Point of Sale (POS) device is a machine used by merchants to accept payments from customers. It reads cards or mobile payment information and helps complete the transaction.
Example: Suuqiin magaalaa xiqqoo keessaa tokko maashinii kaffaltii (POS) fayyadamuun namoota kaardii ykn moobaayilaan kaffaluu barbaadan irraa kaffaltii fudhata. Meeshaan kun abbaan suuqichaa maallaqa yeruma sana akka argatu gargaara.
Example (English): A small shop in a town uses a machine to accept payments from customers who want to pay using a card or mobile wallet. The device helps the shopkeeper receive the money instantly and safely.
Term: Kaardii Kaffaltii Dursaa (Prepaid Card)
Category: Product/Instrument
Definition: Kaardii kaffaltiin isaa dursamee raawwatame fi maallaqni irra jiru qofti itti fayyadamuuf gargaarudha. herreega baankii wajjin wal hin qabatu, akkasumas liqii hin barbaadu.
Definition (English): A prepaid card is a payment card that has money loaded onto it in advance. The user can spend only the amount that is already on the card. It is not linked to a bank account and does not require borrowing.
Example: Namni herreega baankii hin qabne tokko bakka bu'aa bira deemee kaardii kaffaltii duraa irratti maallaqa guuttata. Sana booda, suuqii irraa mi'a bitachuuf kaardichatti fayyadama. Kunis osoo herreega baankii hin banatin kaffaltii dijitaalaa akka raawwatu isa gargaara."
Example (English): A person without a bank account loads money onto a card at a nearby agent. They then use the card to pay for goods at a shop or receive payments for services. The card helps them access digital payments without needing a mobile phone or bank account.
Term: Kaffaltii Harkifamu (Pull Payments)
Category: Use case
Definition: Gosa kaffaltii qaamni maallaqa fudhatu (fakkeenyaaf daldalaan) adeemsa kaffaltichaa jalqabsiisuun, tajaajila kaffaltii isaa fayyadamuun herreega kaffalaa irraa maallaqa itti "harkisu" ykn hir'isuudha.
Definition (English): A payment type which is initiated by the payee: typically a merchant or payment acceptor, whose provider «pulls» the funds out of the payer's account at the payer's provider
Example: Kaffaltiin boba'aa Telebirr irratti raawwatamu (yeroo hojjetaan buufataa maallaqa herreega keessaa harkisu ykn gaafatu) fakkeenya kaffaltii harkifamuuti.
Example (English): Fuel payment via Telebirr
Term: Kaffaltii Ergamuu (Push Payments)
Category: Use case
Definition: Gosa kaffaltii qaamni maallaqa kaffalu (maamilichi) ofii isaatii ajajuun maallaqa herreega isaa irraa gara herreega nama biraatti itti "dhiibu" ykn ergu jechuudha.
Definition (English): A payment type which is initiated by the payer, who instructs their provider to debit their account and «push» the funds to the receiving payee at the payee's provider
Example: Koodii QR iskaan gochuun maallaqa erguun kaffaltii ergamudha.
Example (English): QR payment via Telebirr
Term: Koodii QR / Koodii Deebii Saffisaa (Quick Response (QR) Code)
Category: Technology
Definition: Mallattoo dijitaalaa bilbilaan dubbifamuun kaffaltii raawwachuuf, maallaqa fudhachuuf, ykn tajaajila argachuuf gargaarudha. Fayyadamtoonni tajaajila faayinaansii salphaatti akka argatan gargaara.
Definition (English): A QR code is a type of digital barcode that stores information. People can scan it using a phone to make payments, receive money, or access services. It helps connect users to financial services quickly and easily.
Example: Abbaan daldalaa xiqqaan tokko koodii QR maxxanfame suuqii isaa keessa kaa'e. Maamiltoonni koodii sana bilbilaan 'scan' gochuun maallaqa qabduu osoo hin fayyadamin kaffalu.
Example (English): A small business displays a printed QR code at their shop. Customers scan the code with their phones to pay without using cash. The payment goes directly to the shop owner's account.
Term: Kaffaltii Dhaabbataa (Recurrent Payment)
Category: Process
Definition: Kaffaltii yeroo murtaa'e keessatti (fakkeenyaaf torbaniin ykn ji'aan) ofumaan irra deddeebi'amee kaffalamudha. Fayyadamaan al tokko hayyama kenna, sirnichis yeroo isa eeggatee kaffaltii ni raawwata.
Definition (English): A recurrent payment is a payment that happens automatically at regular times — like weekly, monthly, or yearly. The user gives permission once, and the system keeps making the payment on schedule.
Example: Namni tokko tajaajila tokkoof ji'a ji'aan kaffaluuf walii gale. Yeroo hundaa maallaqa erguu mannaa, sirnichi ofumaan ji'a ji'aan herreega isaa irraa kaffaltii dhaabbataa kutata."
Example (English): A person subscribes to a service and agrees to pay every month. Instead of sending the money each time, the system takes the payment from their account automatically every month. This is a recurrent payment.
Term: Galmee (Registration)
Category: Process
Definition: Adeemsa tajaajila faayinaansii argachuuf maqaa, lakkoofsa bilbilaa, fi waraqaa eenyummaa kennuun herreega banachuudha.
Definition (English): Registration is the process of of opening a provider account, signing up to use a financial service. It usually involves giving your name, phone number, or ID to create an account or profile.
Example: Maamilni haaraan bakka bu'aa bira deemee waraqaa eenyummaa fi lakkoofsa bilbilaa kenne. Bakka bu'aan odeeffannoo isaa sirna keessa galchuun herreega haaraa baneef. Adeemsi kun galmee jedhama.
Term: Ergaa Gabaabaa (SMS) (Short Message Service (SMS))
Category: Technology
Definition: Tajaajila bilbilaa barreeffama gabaabaa walii erguuf gargaarudha. Baallansii beekuuf, akeekkachiisa daddabarsa maallaqaa, ykn mirkaneessa kaffaltii argachuuf fayyada.
Definition (English): SMS is a way to send short text messages between mobile phones. It is often used to share information like account balances, transaction alerts, or payment confirmations.
Example: Namni tokko erga maallaqa ergee booda, ergaan gabaabaan (SMS) bilbila isaa irratti ergameef. Ergaan kunis kaffaltichi raawwachuu isaa mirkaneessee hafii herreegaa isaa ibse.
Example (English): A person receives a text message on their phone after sending money. The message confirms the transaction and shows the new balance. This SMS helps them stay informed even without internet access.
Term: Bakka Bu'aa Olaanaa (Super Agent)
Category: Role/Actor
Definition: Dhaabbata yookiin nama bakka bu'oota xixiqqoo biroo to'atu, maallaqa dhiyeessuufii, fi leenjii kennuudha. Isaanis tajaajilli akka adda hin cinneef bakka bu'oota gargaaru.
Definition (English): A super agent is a person or business that manages and supports many smaller agents who provide financial services. They help with training, cash supply, and making sure services run smoothly.
Example: Magaalaa keessatti dhaabbanni tokko akka bakka bu'aa olaanaatti tajaajila. Bakka bu'oota naannoo sana jiraniif maallaqa callaa (cash) fi meeshaalee dijitaalaa dhiyeessa.
Example (English): In a regional town, a business acts as a super agent by supplying cash and digital tools to nearby agents. These agents help people send money, pay bills, or top up accounts. The super agent makes sure the agents have what they need to serve their communities.
Term: Daangaa Daddabarsa Maallaqaa (Transaction Limits)
Category: Use case
Definition: Hamma maallaqaa olaanaa guyyaatti, torbanitti, ykn ji'atti erguun, baasuun, ykn kaffaluun danda'amu jechuudha. Daangaan kun kan kaa'amuuf balaa hir'isuu fi seera eeguufi.
Definition (English): The maximum amount of money a user can send, receive, or withdraw in a single transaction or within a set time period (daily, weekly, monthly). These limits are set by financial service providers to manage risk and comply with regulations.
Example: Fayyadamaan tokko Birrii 10,000 hiriyyaa isaatiif erguuf yaaluus, daangaan guyyaa Birrii 5,000 waan ta'eef appilikeeshinichi ni dida.
Term: Baank-maleeyyii (Unbanked)
Category: Concept
Definition: Namoota herreega baankii hin qabnee fi sirna faayinaansii idilee hin fayyadamne jechuudha. Isaanis maallaqa qusachuu fi kaffaluuf mala aadaa ykn maallaqa callaa irratti hirkatu.
Definition (English): Unbanked people are those who do not have a bank account. They usually rely on cash or informal ways to save, borrow, or make payments.
Example: Dubartiin baadiyyaa keessa jiraattu tokko maallaqa ishee mana keessa kaa'atti; mi'a bitachuufis maallaqa callaa (cash) fayyadamti. Isheen herreega baankii waan hin qabneef baank-maleeyyiidha.
Example (English): A woman in a rural village keeps her money at home and uses cash to buy goods. She has never opened a bank account and does not use formal financial services. She is considered unbanked.
Term: Fayyadamaa Tajaajila Murtaawaa (Underbanked)
Category: Concept
Definition: Namoota herrega baankii qaban, garuu tajaajilicha sirriitti osoo hin fayyadamin, irra caalaa maallaqa callaa (cash) fi mala aadaatti fayyadaman. Isaan tajaajila baankii guutuu ta'e hin argatan yookiin hin fayyadaman. Namichi magaalaa xiqqoo keessa jiraatu herrega baankii qabaatus, darbee darbee qofa fayyadama; irra caalaa maallaqa harkatti qabata. Kanaafuu inni fayyadamaa tajaajila murtaawaati.
Definition (English): Underbanked people have some access to formal financial services, like a bank account, but they still rely mostly on cash or informal methods for saving, borrowing, or making payments. They may not use their account often or lack access to other financial tools.
Example (English): A man in a small town has a bank account but rarely uses it. He mostly keeps money in cash and borrows from friends or local savings groups. He is underbanked because he doesn’t fully use formal financial services.
Term: Dagatamoo (Underserved)
Category: Concept
Definition: Hawaasa sababa fagoo jiraachuu ykn galii gadi aanaa qabaachuutiif, tajaajilli faayinaansii idilee sirriitti bira hin geenye. Afaan Oromoo Hawaasni naannoo baadiyyaa keessa jiraatu baankii ykn bakka bu'aa dhiyeenya waan hin qabneef, tajaajila argachuu hin danda'an. Isaan Dagatamoo dha.
Definition (English): Underserved people are those who have limited access to formal financial services. They may live in remote areas, lack information, or face challenges like low income, low literacy, or lack of trust in financial systems.
Example (English): A community in a rural area has no nearby bank or agent. Most people use cash and informal savings methods. They are underserved because they don’t have easy access to safe and reliable financial services.
Term: Kaffaltii Tajaajila Bu'uuraa (Utility Payment)
Category: Use case
Definition: Kaffaltii tajaajiloota jireenyaaf barbaachisoo ta'an kan akka bishaan, ibsaa, fi bilbilaaf kaffalamudha. Kaffaltiin kun maallaqa callaan, baankiidhaan, ykn karaa dijitaalaatiin raawwatamuu danda'a.
Definition (English): Utility payment is the process of paying for basic services like electricity, water, or phone service. These payments can be made in cash, through banks, or using digital financial services.
Example: Maatiin sun bilbila isaanii fayyadamuun kaffaltii tajaajila bu'uuraa (kan akka ibsaa fi bishaan) ji'aa raawwatan.
Example (English): A household pays its monthly electricity bill using a mobile phone or by visiting a nearby agent. This is a utility payment — it helps keep essential services running.
Term: Koodii Guuttannoo (Voucher)
Category: Product/Instrument
Definition: Kaardii ykn koodii gatii maallaqaa qabu fi herreega dijitaalaa guutuuf ykn mi'a bitachuuf gargaarudha. Koodii Guuttannoo yeroo baay'ee bakka herregni baankii hin jirretti ni tajaajila.
Example: Afaan Oromoo Namni tokko suuqii irraa kaardii haquu (scratch card) bitate. Koodii kaardichaa bilbila isaa irratti galchuun herreega moobaayila isaa guuttate. Koodiin sun Koodii Guuttannoodha.
Term: Boorsaa Dijitaalaa (Waaletii) (Wallet (E-Wallet))
Category: Product/Instrument
Definition: Fala dijitaalaa maallaqa elektirooniksiin itti kuufamudha. Fayyadamtoonni maallaqa erguuf, fudhachuuf, qusachuuf, yookiin mi'a bitachuuf itti fayyadamu.
Example: Namni magaalaa xiqqoo keessa jiraatu bilbila isaa fayyadamuun boorsaa dijitaalaa keessa maallaqa kaa'ata. Maallaqa callaa qabachuu osoo hin barbaachisin suuqii irraa mi'a bitachuu danda'a.