ጨረታዎች

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018ዓ.ም

ለመጀመሪያ ጊዜ የወጣ የሐራጅ ማስታወቂያ

የእናት ባንክ አ.ማ ለሰጠው ብድር በዋስትና የያዘውንና ከዚህ በታች በሰንጠረዡ የተመለከተውን ንብረት በአዋጅ ቁጥር 97/90 ለባንኮች በተሰጠው ስልጣን መሰረት በግልፅ ጨረታ አወዳድሮ ለመሸጥ ይፈልጋል።

የሐራጅ ደንቦች

1. ተጫራቾች የሐራጁን መነሻ ዋጋ አንድ አራተኛ (1/4ኛ) በባንክ ክፍያ ማዘዣ (ሲ.ፒ.ኦ) ብቻ በማስያዝ መጫረት ይችላሉ።

2. የተጫራቾች ምዝገባ ከሐራጅ መዝጊያ ሰዓት አስራ አምስት ደቂቃ በፊት ይጠናቀቃል። በሐራጁ የመጨረሻ አስራ አምስት ደቂቃዎች የተጫራቾች ምዝገባ አይካሄድም።

3. አሸናፊ የሆነው ተጫራች ያሸነፈበትን ቀሪ ገንዘብ የጨረታው አሸናፊ መሆኑ ደብዳቤ ከደረሰው ቀን ጀምሮ በአስራ አምስት (15) ቀናት ውስጥ አጠቃልሎ መከፈል አለበት። ባይከፍል ግን ያስያዘው ገንዘብ ለባንኩ ገቢ ሆኖ ሐራጁ ይሰረዛል።

4. ሐራጁ ከላይ በተገለፀው ቀንና ሰዓት ካዛንቺስ በሚገኘው እናት ባንክ ዋና መ/ቤት 9ኛ ፎቅ ይካሄዳል።

5. በሐራጅ ላይ መገኘት የሚችሉት ተጫራቾች፣ ተበዳሪ እና ንብረት አስያዥ ወይም ሕጋዊ ተወካዮች ናቸው።

6. በንብረቱ በሽያጭ ላይ የሚታሰብ 15% (አስራ አምስት በመቶ) የተ.እ.ታክስ፣ ለመንግስት የሚከፈለው ክፍያ የሊዝ ክፍያ እና ሌሎች ገዢ እንዲከፍላቸው በህግ የተወሰኑ ክፍያዎችን የስም ማዛወሪያን ጨምሮ ገዢው/አሸናፊው ይከፍላል።

7. ባንኩ የተሻለ አማራጭ ካገኘ ጨረታውን የመሰረዝ መብቱ የተጠበቀ ነው።

8. ለሐራጅ የቀረበውን ንብረት ለመጎብኘት የሚፈልጉ ከህግ ክፍሉ ጋር እና ሳሪስ ከሚገኘው እናት ባንክ እቴጌ ጣይቱ ቅርንጫፍ ጋር ቀጠሮ መያዝ ይችላሉ።

9. ለተጨማሪ መረጃ በስልክ ቁጥር 011-558-6568 / በመደወል መጠየቅ ይቻላል።

እናት ባንክ

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018 ዓ.ም

በድጋሚ የወጣ ጨረታ

ሮሃ ፓክ ኃላ/የተ/የግ/ማህበር / ኢሪክስ ኢንተርናሽናል ኃላ/የተ/የግ/ማህበር ያገለገሉ ተሽከርካሪዎች በድጋሚ በወጣ በግልጽ ጨረታ አወዳድሮ ለመሸጥ ይፈልጋል።

ስለሆነም ፍላጎት ያላቸው ተጫራቾች የድርጅቱን ፍላጎት በመመልከት ሰነዳችሁን እንድታስገቡና በጨረታው ላይ እንድትሳተፉ ተቋሙ ይጋብዛል።

በጨረታ ሰነዶች ላይ ስለሚደረግ ማሻሻያ

ሻጭ በራሱ ተነሳሽነት ወይም በተጫራቾች ጠያቂነት ምክንያት የጨረታ ሰነድን ማሻሻል አስፈላጊ ሆኖ ሲያገኘው ጨረታ ማረከቢያ ቀነ-ገደብ ከማለቁ በፊት የጨረታ ሰነዶቹን በፅሑፍ ሊያሻሽለው ይችላል።

የጨረታ ቋንቋ

ሻጭም ሆነ በተጫራቾቹ ወይም በገዥ ፈፃሚ አካል መካከል የሚደረጉ ሁሉም የጽሑፍ ልውውጦች በአማርኛ መሆን አለበት።

የጨረታ ዋጋ የሚቀርብባቸው የገንዘብ ዓይነት

- ተጫራቹ የሚገዛውን መኪና ዋጋ ማቅረብ ያለበት በኢትዮጵያ ብር ነው።

- ተጫራቹ የሚገዛውን መኪና ዓይነት ማቅረብ አለበት።

- ተጫራቹ በቅድሚያ የማይመለስ የጨረታውን ሰነድ ፋይናንስ ቢሮ በመገኘት በ200 ብር መግዛት ይኖርበታል።

- ከዚህ በላይ የተዘረዘሩትን 5 መኪኖች ሃይል ጋርመንት በሚገኘው አስተዳደር እና ጠ/አገልግሎት ቢሮ በማናገር በአካል ተገኝተው ማክሰኛ 2:00-1100 ሰአት አንዲሁም ቅዳሜ 2:00-600 ብቻ መሆኑን እንገልጻለን:: እንዲህም የእህት ድርጅታችን መኪኖች የሆኑት

ከዚህ በላይ የተዘረዘሩትን ጃክሮስ ሰንሻይን ላውንደሪ ፊት ለፊት (EBS መስሪያ ቤት አጠገብ) በአካል ተገኝተው ከሰኞ እስከ አርብ በስራ ሰአት ብቻ መመልከት ይችላሉ።

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018ዓ.ም

ለመጀመሪያ ጊዜ የወጣ የሐራጅ ሽያጭ ማስታወቂያ

አቢሲንያ ባንክ /አ.ማ/ ለሰጠው ብድር በዋስትና የያዛቸውን እና በሰንጠረዡ ውስጥ የተመለከቱትን ንብረቶች በአዋጅ ቁጥር 97/90 (እንደተሻሻለው) ለባንኮች በተሰጠው ስልጣን መሠረት ንብረቶቹ ባሉበት ሁኔታ በግልጽ ጨረታ አወዳድሮ ለመሸጥ ይፈልጋል።

በመሆኑም ተጫራቾች ለጨረታ ከመቅረባቸው በፊት የሚከተሉትን ደንቦች መገንዘብ ይኖርባቸዋል።

-ተጫራቾች የሚጫረቱበትን ንብረት የጨረታ መነሻ ዋጋ 1/4 (አንድ አራተኛ) በባንክ በተረጋገጠ ቼክ ወይም ሲ.ፒ.ኦ በአቢሲንያ ባንክ (አ.ማ) ስም በማሰራት ለጨረታ ማስከበሪያ በማስያዝ በጨረታው መሳተፍ ይችላሉ።

-የጨረታው አሸናፊ አሸናፊነቱ ከባንኩ በደብዳቤ ከተገለጸለት ቀን ጀምሮ በ15 (አስራ አምስት) ቀናት ውስጥ ያሸነፈበትን ጠቅላላ ዋጋ አጠቃሎ ከፍሎ በጨረታ ያሸነፈበትን ንብረት መረከብ ይኖርበታል። በእነዚህ ቀናት ውስጥ ካልከፈለ ጨረታው ተሰርዞ ለጨረታ ማስከበሪያ በሲ.ፒ.ኦ ያስያዘው ገንዘብ ለባንኩ ገቢ ይሆናል። በጨረታው ለተሸነፉት ተጫራቾች ያስያዙት ሲ.ፒ.ኦ ይመለስላቸዋል።

-ተበዳሪው /መያዣ ሰጪው/ በሐራጁ ቀን እና ሰዓት በቦታው መገኘት ይችላሉ። ነገር ግን ባይገኙ ሐራጁ በሌሉበት ይካሄዳል።

-የጨረታው አሸናፊ ከሚገዛው ንብረት ጋር የተያያዙ ማናቸውንም ለመንግስት የሚከፈሉ ክፍያዎች፣ ግብር፣ 15% የተጨማሪ እሴት ታክስ እንዲሁም ከስም ዝውውር ጋር የሚገናኙ ማናቸውንም ወጪዎች ይከፍላል። ውዝፍ የሊዝ ክፍያ ካለ ባንኩ የሚከፍል ሲሆን ለቀሪው የሊዝ ክፍያ ገዢው ከሚመለከተው የመንግስት አካል ጋር ይዋዋላል።

-ንብረቱን በሥራ ሰዓት ፕሮግራም አስይዞ መጎብኘት ወይም ማየት ይቻላል።

-በባንኩ የብድር ፖሊሲ እና መመሪያ መሠረት መስፈርቱን ለሚያሟላ የጨረታው ከፍተኛ ዋጋ አቅራቢ /አሸናፊ/ ባንኩ ከፊል ብድር ሊሰጥ ይችላል።

-የጨረታ ቦታ አዲስ አበባ ከተማ፣ ቂርቆስ ክ/ከተማ፣ ወረዳ 7፣ ለገሀር በሚገኘው የአቢሲንያ ባንክ ኢማ ዋና መስሪያ ቤት ህንፃ B 4ኛ ፎቅ ላይ በሚገኘው የፎርክሎዠር እና ዴት ሊቲጌሽን ዲቪዥን የጨረታ ክፍል ውስጥ ነው።

-ለተጨማሪ መረጃ በስልክ ቁጥር 011 515 1153 እና 011 515 0711 አ.አ በመደወል መጠየቅ ይቻላል።

-ባንኩ የተሻለ መንገድ ካገኘ ጨረታውን ሙሉ በሙሉም ሆነ በከፊል የመሰረዝ መብቱ የተጠበቀ ነው።

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018ዓ.ም

ለመጀመሪያ ጊዜ የወጣ የሐራጅ ሽያጭ ማስታወቂያ

አቢሲንያ ባንክ /አማ/ ለሰጠው ብድር በዋስትና የያዛቸውንና በሠንጠረዡ የተመለከቱትን ንብረቶች በአዋጅ ቁጥር 97/90 (እንደተሻሻለው) መሠረት ንብረቶቹ ባሉበት ሁኔታ በግልጽ ጨረታ አወዳድሮ ለመሸጥ ይፈልጋል።

በመሆኑም ተጫራቾች ለጨረታ ከመቅረባቸው በፊት የሚከተሉትን ደንቦች መገንዘብ ይኖርባቸዋል።

-ተጫራቾች ለጨረታ የቀረበዉን ንብረት የጨረታ መነሻ ዋጋ 1/4 (አንድ አራተኛ) በባንክ በተረጋገጠ ቼክ ወይም ሲ.ፒ.ኦ በአቢሲንያ ባንክ (አ.ማ) ስም በማሰራት ለጨረታ ማስከበሪያ በማስያዝ በጨረታው መሳተፍ ይችላሉ።

-የጨረታው አሸናፊ አሸናፊነቱ ከባንኩ በደብዳቤ ከተገለጸለት ቀን ጀምሮ ያሸነፈበትን ጠቅላላ ዋጋ በ15 (አስራ አምስት) ቀናት ውስጥ አጠቃሎ ከፍሎ በጨረታ ያሸነፈበትን ንብረት መረከብ ይኖርበታል፡፡ በእነዚህ ቀናት ውስጥ ካልከፈለ ጨረታው ተሰርዞ ለጨረታ ማስከበሪያ በሲ.ፒ.ኦ ያስያዘው ገንዘብ ለባንኩ ገቢ ይሆናል፡፡ በጨረታው ለተሸነፉት ተጫራቾች ያስያዙት ሲ.ፒ.ኦ ወዲያዉ ይመለስላቸዋል።

-ተበዳሪው /መያዣ ሰጪው/ በሐራጁ ቀንና ሰዓት በቦታው መገኘት ይችላሉ። ነገር ግን ባይገኙ ሐራጁ በሌሉበት ይካሄዳል።

-የጨረታው አሸናፊ ከሚገዛው ንብረት ጋር የተያያዙ ማናቸውንም ለመንግስት የሚከፈሉ ክፍያዎች፣ ግብር፣ 15% የተጨማሪ እሴት ታክስ እንዲሁም ከስም ዝውውር ጋር የሚገናኙ ማናቸውንም ወጪዎች ይከፍላል፡፡ ውዝፍ የሊዝ ክፍያ ካለ ባንኩ የሚከፍል ሲሆን ለቀሪው የሊዝ ክፍያ ገዢው ከሚመለከተው የመንግስት አካል ጋር ይዋዋላል።

-ንብረቶቹን በሥራ ሰዓት ፕሮግራም አስይዞ መጎብኘት ወይም ማየት ይቻላል።

-በባንኩ የብድር ፖሊሲ እና መመሪያ መሠረት መስፈርቱን ለሚያሟላ የጨረታው ከፍተኛ ዋጋ አቅራቢ /አሸናፊ/ ባንኩ ከፊል ብድር ሊሰጥ ይችላል።

-የጨረታው ቦታ አዲስ አበባ ከተማ፣ ቂርቆስ ክ/ከተማ፣ ለገሀር በሚገኘው የአቢሲንያ ባንክ አ.ማ ዋና መስሪያ ቤት 4ኛ ፎቅ ላይ በሚገኘው የጨረታ አዳራሽ ውስጥ ነው።

-ለተጨማሪ መረጃ በስልክ ቁጥር 0115 15 11 53 እና 0115 15 07 11 በመደወል መጠየቅ ይቻላል።

-ባንኩ የተሻለ መንገድ ካገኘ ጨታውን ሙሉ በሙሉም ሆነ በከፊል የመሰረዝ መብቱ የተጠበቀ ነው።

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018ዓ.ም

REQUEST FOR PROPOSAL (RFP)

Consultancy Service for Micro Insurance Feasibility & Market Assessment

Client: Digaf Microcredit Provider S.C.

Issuing Office: CEO Office

Issue Date: May 14, 2026

Submission Deadline: May 25, 2026

1. Background

Digaf Microcredit Provider S.C. is a licensed microfinance institution operating in Ethiopia with a strategic focus on expanding inclusive financial services through technology-enabled delivery models.

As part of its long-term growth strategy, Digaf intends to assess the commercial viability, market opportunity, operational readiness, and strategic feasibility of establishing a standalone Micro Insurance business in Ethiopia.

Considering that the National Bank of Ethiopia (NBE) has already issued regulatory directives governing insurance and Micro Insurance operations, Digaf's primary objective is not merely regulatory interpretation, but rather a practical assessment of whether establishing a Micro Insurance business is strategically viable, commercially sustainable, operationally feasible, and institutionally scalable within the Ethiopian market context.

To support this initiative, Digaf seeks to engage a qualified individual consultant, consulting firm, or consortium with strong expertise in insurance market development, financial sector feasibility studies, business model design, and Ethiopian financial sector operations.

2. Objective of the Assignment

The objective of this consultancy is to provide Digaf with a comprehensive and practical feasibility assessment of establishing a standalone licensed Micro Insurance business in Ethiopia, including:

-Market opportunity assessment

-Business model viability analysis

-Product opportunity analysis

-Strategic positioning recommendations

-Operational and institutional readiness assessment

-Financial sustainability considerations

-Regulatory fit assessment

-Recommended implementation pathway and phased roadmap

The assignment should enable Digaf's Board and Management to make an informed strategic decision regarding entry into the Micro Insurance sector.

3. Scope of Work

The selected consultant will be expected to undertake, at minimum, the following:

3.1 Market Feasibility & Industry Assessment

-Assess the current Micro Insurance landscape in Ethiopia

-Analyze market size, penetration gaps, and growth potential

-Identify underserved customer segments and market opportunities

-Assess customer demand drivers and adoption barriers

-Benchmark relevant local and regional Micro Insurance models

-Evaluate competitive landscape and positioning opportunities

3.2 Product & Business Model Assessment

-Identify viable Micro Insurance product categories under current regulations

-Recommend high-potential initial product lines for Digaf

-Provide high-level product structuring guidance

-Assess distribution model options (digital, embedded finance, agent- based, employer-based, partnerships, etc.)

-Evaluate strategic alignment with Digaf's existing digital lending ecosystem

-Assess potential cross-selling and ecosystem integration opportunities

3.3 Financial & Commercial Viability Assessment

-Assess startup and operational cost considerations

-Provide high-level business case analysis

-Evaluate revenue potential and sustainability considerations

-Assess capital and solvency implications at a strategic level

-Identify major financial success factors and constraints

-Evaluate scalability potential and phased growth scenarios

3.4 Operational & Institutional Readiness

-Assess operational model requirements

-Identify technology and digital infrastructure considerations

-Evaluate organizational and human resource requirements

-Identify strategic partnerships and ecosystem dependencies

-Assess implementation complexity and operational readiness gaps

3.5 Regulatory & Licensing Assessment

-Provide a practical assessment of key regulatory requirements under applicable NBE directives

-Identify licensing pathways and major compliance obligations

-Highlight key regulatory considerations affecting business viability

-Identify major compliance risks and implementation implications

Note: Detailed legal interpretation of directives is not the primary focus of the assignment, as core regulatory requirements are already publicly available through NBE directives.

3.6 Risk Assessment

-Identify key strategic, operational, market, financial, and regulatory risks

-Assess critical feasibility constraints

-Recommend practical mitigation measures

-Highlight key success conditions required for market entry

4. Expected Deliverables

-The consultant is expected to deliver the following within the assignment period:

-Micro Insurance Market & Feasibility Assessment Report

-Business Model & Strategic Positioning Assessment

-Operational Readiness & Implementation Considerations Report

-Key Risks, Constraints & Mitigation Recommendations

-Preliminary Roadmap & Phased Implementation Timeline

-Board-Level Executive Summary Presentation

-All deliverables must be clear, practical, actionable, and suitable for Board-level strategic decision-making.

5. Duration of the Assignment

The assignment is expected to be completed within two (2) weeks from the date of contract signing.

6. Consultant Qualification Requirements

Interested firms/consultants must demonstrate:

-Proven experience in insurance, Micro Insurance, fintech, or financial sector advisory

-Experience conducting feasibility studies and market assessments

-Strong understanding of Ethiopian financial sector operations

-Familiarity with insurance and Micro Insurance regulatory environments

-Experience in financial services business model design and institutional structuring

-Strategic advisory experience for financial institutions

-Multidisciplinary capability covering financial, operational, market, and regulatory expertise

7. Proposal Submission Requirements

Interested bidders are required to submit:

A. Technical Proposal

Including:

-Understanding of the assignment

-Proposed methodology and approach

-Market assessment framework

-Work plan and timeline

-Team composition and qualifications

-Relevant experience and references

B. Financial Proposal

Including:

-Detailed professional fee breakdown

-Applicable taxes

-Any reimbursable expenses (if applicable)

8. Evaluation Criteria

-Proposals will be evaluated based on:

-Technical quality and methodology

-Understanding of the Micro Insurance market

-Relevant experience and expertise

-Practical feasibility assessment capability

-Team composition and qualifications

-Financial competitiveness

9. Submission Instructions

Interested consultants/firms should submit both Technical and Financial Proposals electronically in PDF format no later than May 25, 2026.

Submissions should be sent to: abigya.mesfin@digafcredit.com

Digaf Microcredit Provider S.C.

CEO Office

10. Rights Reserved

Digaf Microcredit Provider S.C. reserves the right to accept or reject any proposal, wholly or partially, and to cancel the RFP process at any stage without assigning any reason thereof.

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018ዓ.ም

ለመጀመሪያ ጊዜ የወጣ የሐራጅ ማስታወቂያ

የሐራጅ ቁጥር ዳባ/019/26

ዳሽን ባንክ በአዋጅ ቁጥር 97/90 እና 1147/2011 በተሰጠው ስልጣን መሰረት የሚከተሉትን የተበዳሪ ወይም አስያዥ ንብረቶች ባለበት ሁኔታ በሐራጅ ይሸጣል

የመኖሪያ ቤት

ተሽከርካሪዎች

ማሳሰቢያ

1. ተጫራቾች የጨረታውን መነሻ ዋጋ 25% የጨረታ ማስከበሪያ በዳሸን ባንክ ስም ክፍያ ማዘዣ (C.PO) በጨረታው ዕለት ይዘው በመቅረብ መመዝገብ ይችላሉ።

2. ጨረታው በሰንጠረዡ ላይ በተገለፀው ቀን እና ሰዓት ንብረቱ በሚገኝበት አድራሻ ይካሄዳል።

3. ለመንግስት የሚከፈል ግብር ፣ ታክስ ፣ ውዝፍ የሊዝ ክፍያ ፣ ተጨማሪ እሴት ታክስ እና ሌላ ከስም ዝውውር ጋር የሚገናኙ ወጪዎችን ገዢው ይከፍላል።

4. ከፍተኛ ዋጋ የሰጠው ተጫራች በጨረታው አሸናፊ ነው የሚባለው ከባንኩ አሸናፊነቱን የሚገልፅ ደብዳቤ በፅሁፍ ሲደርሰው ብቻ ነው።

5. የጨረታው አሸናፊ ያሸነፈበትን ዋጋ በ15 ቀናት ውስጥ አጠናቆ መክፈል ይኖርበታል። ባይከፍል ግን ጨረታው ተሰርዞ ያስያዘው ገንዘብ አይመለስለትም። በጨረታው ለተሸነፉ ተጫራቾች ያሲያዙት ሲፒኦ ወዲያውኑ ይመለስላቸዋል።

6. በጨረታው ላይ አስያዥና ተበዳሪ ወይም ሕጋዊ ወኪሎቻቸው መገኘት ይችላሉ፤ ባይገኙ ጨረታው በሌሉበት ይካሄዳል።

7. የተጫራቾች ምዝገባ ከሐራጁ መዝጊያ ሠዓት 10 ደቂቃ በፊት ይጠናቀቃል

8. ጨረታው ተጀምሮ በተቀመጠው ሰዓት ውስጥ ካልተጠናቀቀ ሊራዘም ይችላል።

9. ባንኩ የተሻለ አማራጭ ካገኘ ጨረታውን በከፊልም ሆነ በሙሉ የመሰረዝ መብቱ የተጠበቀ ነው።

10. ተጫራቾች ሰኔ 06 ቀን 2018 ዓ.ም ከጠዋቱ 2:30 – 3:00 ሰዓት አራት ኪሎ አብርሆት ቤተ መፃህፍት አካባቢ በሚገኘው የዳሽን ባንክ ሰሜን አዲስ አበባ ቀጠና ፅ/ቤት በመገኘት በዕለቱ ከባንኩ ተወካዮች ጋር በመሆን ከ 3፡00 - 6:00 ሰዓት የሚሸጠውን መኖሪያ ቤት መጎብኘት ይችላሉ።

ለበለጠ መረጃ በስልክ ቁጥር 011-170-4953 ወይም 011-170-4038 ደውሎ መጠየቅ ይቻላል።

ዳሽን ባንክ አ.ማ

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018 ዓ.ም

የሐራጅ ሽያጭ ማስታወቂያ

ራሚስ ባንክ አ.ማ በአዋጅ ቁጥር 97/90 እና 216/92 በተሰጠው ሥልጣን መሠረት ለሰጠው ብድር (ፋይናንሲንግ) በዋስትና የያዘዉን በሰንጠረዡ ላይ የተጠቀሰውን ንብረት ባለበት በግልጽ ሐራጅ አወዳድሮ ለመሸጥ ይፈልጋል።

1 ተጫራቾች የጨረታ ማስከበሪያ የጨረታውን መነሻ ዋጋ 25% በባንክ በተረጋገጠ የክፍያ ሰነድ/ሲ.ፒ.ኦ በራሚስ ባንክ አ.ማ ስም አሰርተው ጨረታው በሚካሄድበት ዕለት ይዘው መቅረብ ይኖርባቸዋል። በጨረታው ለተሸነፉ ተጫራቾች ያስያዙት ሲ.ፒ.ኦ ከጨረታው መጠናቀቅ በኃላ ወድያውኑ ይመለስላቸዋል።

2 ጨረታው በሰንጠረዡ ላይ በተጠቀሰው ቀን፣ ሰዓት እና ቦታ ባለዕዳዎቹ ወይም ሕጋዊ ወኪሎቻቸው እና ታዛቢዎች በተገኙበት ይካሄዳል፡፡ ባለ ዕዳዎቹ እና ታዛቢዎች ባይገኙም ጨረታው ይካሄዳል።

3 የተጫራቾች ምዝገባ ከሐራጅ መዝግያ ስዓት 5 ደቂቃ በፊት ይጠናቀቃል። የጨረታ መጠናቀቂያ ሰዓት ድረስ ከፍተኛ ዋጋ የሰጠ ተጫራች ካልተለየ አስኪለይ ድረስ ጨረታው የሚቀጥል ይሆናል። በጨረታው ከፍተኛ ዋጋ ያቀረበ ተጫራች ማሸነፉን የሚገልጽ ደብዳቤ ከባንኩ ህግ አገልግሎት ሲደርሰው ብቻ አሸናፊ ይባላል።

4 ጨረታውን ያሸነፈ ተጫራች አሸናፊ መሆኑ በጽሁፍ ከተገለጸበት ቀን ጀምሮ ያሸነፈበትን ዋጋ እና ተጨማሪ እሴት ታክስ (VAT) ያሸነፈበት ዋጋ ላይ 15% ጨምሮ በ15 ቀን ውስጥ ለባንኩ አጠቃሎ ገቢ ማድረግ ይኖርበታል። በተጠቀሰው ጊዜ ውስጥ ገቢ የማያደርግ የጨረታ አሸናፊ ያስያዘው ሲፒኦ ለባንኩ ገቢ ሆኖ ጨረታው ይሰረዛል። በተጨማሪም ንብረቱ በድጋሚ ለሐራጅ ሲቀርብ ለሚፈጠረው ልዩነት ይጠየቃል።

5 ጨረታውን ያሸነፈ ተጫራች ንብረቱን በማስተላለፍ ሂደት ለመንግስት የሚከፈሉ ክፍያዎች ግብር፣ የሊዝ ክፍያ፣ የተጨማሪ እሴት ታክስ፤ የስም ማዘወሪያ እና ማናቸዉም ከጨረታው ጋር በተገናኘ መንግስት የሚጠይቀው ክፍያ ይከፍላል። ንብረቱ በገዢው ስም እንዲዞር ባንኩ ለሚመለከተው መንግስታዊ አካል ደብዳቤ ይጽፋል።

6 ውዝፍ የሊዝ ክፍያን በተመለከተ ከእዳ ተመላሽ ብር ካለ ከተመላሽ ብር ላይ የሚከፈል ሲሆን ተመላሽ ብር ከሌለ ግን የንብረቱ ጨረታ አሸናፊ ውዝፍ የሊዝ ክፍያን ሙሉ በሙሉ የሚከፍል ይሆናል።

7 በባንኩ የፋይናንሲንግ ፖሊሲ እና መመሪያ መሠረት መስፈርቱን ለሚያሟላ የጨረታው ከፍተኛ ዋጋ አቅራቢ /አሸናፊ/ ባንኩ ከፊል ፋይናንሲንግ ሊሰጥ ይችላል።

8 ተጫራቾች ለጨረታ የቀረበውን ንብረቶች በስራ ሰዓት ፕሮግራም አስይዞ ለመጎብኘት ይችላሉ።

9 ለተጨማሪ መረጃ በስልክ ቁጥር 09-10-01-40-72/ 09-42-10-36-62 ዋና መ/ቤት ሕግ አገልግሎት፣ ወይም በ 09-10-73-87-00 የባንኩን ፋይናንሲንግ አፕሬዛልስ እና ፖርት ፎሊዮ ማኔጅመንት ክፍል እና በ 09–11–28–15–16 የባንኩን ፊንፊኔ ቅርንጫፍ ደውለው መጠየቅ ይቻላል።

10 ባንኩ ጨረታውን በማንኛውም ጊዜ በከፊልም ሆነ ሙሉ በሙሉ የመሰረዝ መብቱ የተጠበቀ ነው።

ራሚስ ባንክ አ.ማ.

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018 ዓ.ም

የሐራጅ ማስታወቂያ

ሕብረት ባንክ አ.ማ. በቅርንጫፎቹ በኩል ለሰጠው ብድር በመያዣነት የያዛቸውንና ከዚህ በታች የተመለከቱትን ተሽከርካሪዎች በአዋጅ ቁጥሮች 97/90፣ 216/92 እና 1147/2011 በተሰጠው ስልጣን መሰረት በግልፅ ሐራጅ(ጨረታ) አወዳድሮ ይሸጣል።

የሐራጅ ደንቦች፡-

1 ተጫራቾች የሐራጁን መነሻ ዋጋ አንድ አራተኛ በሕብረት ባንክ አ.ማ.(Hibret Bank S.C) ስም የተሰራ የባንክ ክፍያ ማዘዣ(ሲ.ፒ.ኦ.) ብቻ በማስያዝ መጫረት ይችላሉ። ከባንክ ክፍያ ማዘዣ(ሲ.ፒ.ኦ) ውጭ የሚቀርብ የጨረታ ማስያዣ ተቀባይነት የለውም።

2 ተሽከርካሪዎቹን ለመጎብኘት የሚፈልግ ተጫራች ከባንኩ የሕግ አገልግሎቶች መምሪያ ወይም ከቅርንጫፉ ጋር አስቀድሞ ቀጠሮ በመያዝ ከጨረታው ዕለት ሶስት ቀናት አስቀድሞ መጎብኘት ይችላል።

3 የተሽከርካሪዎቹ ሐራጅ የሚካሄደው የሕብረት ባንክ አ.ማ ዋና መስሪያ ቤት ሕንፃ(ሕብር ታወር) 26ኛ ፎቅ የሕግ አገልግሎት መምሪያ ባለው የስብሰባ አዳራሽ ውስጥ ነው።

4 በሐራጅ ላይ መገኘት የሚችሉት ተጫራቾች፣ተበዳሪ እና አስያዥ ናቸው።

5 ተጫራቾች በሐራጅ ለመሳተፍ ሲመጡ መታወቂያ መያዝ ይገባቸዋል። ተጫራቾች የሕግ ሰውነት የተሰጣቸው አካላት ከሆኑ ደግሞ ሕጋዊ ሰውነት ያገኙበትን የዋና ምዝገባ ምስክር ወረቀት እና ሐራጁን ለመሳተፍ የቀረበው ሰው ስልጣኑን የሚያሳይ በሰነዶች ማረጋገጫና ምዝገባ ፅ/ቤት ወይም በተመሳሳይ አካል የፀደቀ መመስረቻ ፅሁፍ(የመተዳደሪያ ደንብ)፣ቃለ ጉባኤ ወይም የውክልና ሰነድ ይዞ መቅረብ አለበት።

6 ተሽከርካሪዎቹ ቀረጥ ተከፍሎባቸዋል።

7 ከፍ ሲል የተጠቀሱትን ተሽከርካሪዎች ለሚገዛና  የባንኩን የብድር ፖሊሲ እና መመሪያ መመዘኛዎች ለሚያሟላ ተጫራች በሚሰጠው ከፍተኛ ዋጋ ላይ ባንኩ 50%(ሃምሳ በመቶ) ብድር ሊያመቻች ይችላል።

8 የተጫራቾች ምዝገባ ከሐራጁ መዝጊያ ሰዓት ሰላሳ ደቂቃ በፊት ይደረጋል።

9 ከፍተኛ ዋጋ ላልሰጡ ተጫራቾች ያስያዙት ገንዘብ ወዲያውኑ ይመለስላቸዋል። ከፍተኛ ዋጋ ለሰጠ ተጫራች ደግሞ ያቀረበውን ዋጋ ባንኩ ሲቀበለው ያሸነፈበትን ቀሪ ገንዘብ በአስራ አምስት ቀናት ውስጥ አጠቃልሎ እንዲከፍል የሚገልፅ ደብዳቤ የሚሰጠው ሲሆን በዚህ ጊዜ ውስጥ ካልከፈለ ግን ያስያዘው ገንዘብ ለባንኩ ገቢ ሆኖ ሐራጁ ይሰረዛል። በተጨማሪም ንብረቱ በድጋሚ ለሐራጅ ሲቀርብ ለሚታየው የዋጋ ልዩነት ይጠየቃል።

10 የጨረታው አሸናፊ የተጨማሪ እሴት ታክስ እና ሌሎች የጨረታ አሸናፊ እንዲከፍላቸው በሕግ የተወሰኑ ክፍያዎችን ይከፍላል።

11 ባንኩ በማንኛውም ጊዜ ጨረታውን በሙሉም ሆነ በከፊል የመሰረዝ መብቱ የተጠበቀ ነው።

12ለተጨማሪ መረጃ በስልክ ቁጥር፡-ክሬዲት ፖርት ፎሊዮና ዴት ሪካቨሪ መምሪያ 011 470 6380/ 011 466 6593 ወይም የሕግ መምሪያ በስልክ ቁጥር  011 470 0315  ደውለው መጠየቅ ይችላሉ።

ሪፖርተር እሁድ ግንቦት 9 ቀን 2018 ዓ.ም

INVITATION FOR BIDS - REQUEST FOR QUOTATION

MSF is an International medical and humanitarian, non-profit, organization acting In accordance with the principles and rights of humanitarian assistance and International medical ethics. MSF provides medical and humanitarian assistance to populations in need without discrimination on the basis of race, religion, creed or political affiliation, in contexts of epidemic, endemic, natural disaster and conflict in more than 70 countries in the world.

In Ethiopia MSF Belgium supports the Regional Ministry of Health facilities in partnership with the Federal Ministry of Health in responding to healthcare needs of vulnerable communities affected by displacement, disease outbreaks, malnutrition and WASH.

To facilitate its activities MSF Belgium - Ethiopia Mission is inviting suppliers to submit their bids for supply and delivery of the items below to our Afar Project (Dubti General Hospital) in Semera Town:

1. Interested vendors should submit their bids including:

- Registration Certificate/Certificate of Incorporation Taxpayer Registration

- Valid Business License

-VAT Certificate

2. Prices quoted should be inclusive of VAT and all other applicable taxes and must be in ETB (Ethiopian Birr) and shall remain valid for 90 days from the closing date of the tender.

3. Successful vendor(s) will be informed after evaluation of the valid submitted bids.

4. All bids should be submitted in sealed and labelled envelopes to the address below before close of business on 29th May 2026.

Yinebeb Tamir

Supply Chain Officer | Afar Project Behind Semera Health College Médecins Sans Frontières - Belgium +251 95 272 063

Email: msfocb-afar-supplyofficer@brussels.msf.org

DASHEN BANK S.C

CALL FOR NATIONAL COMPETITIVE BID (NCB)

1)   Dashen Bank invites eligible and interested bidders for the procurement of different items as per stated below;

2)   Interested and eligible bidders are invited to purchase and download of the bidding document via https://extratenders.net/  and https://dashen.afrotender.com to access the biding document by having paid Non-refundable fee ETB 500.00 (Birr Five Hundred only)  for each bid  reference  number starting from May 18, 2026.

3)     Bidders are advised to visit our official website at www.dashenbanksc.com or directly access supplier registration page at https://dashenbanksc.com/sap-ariba-supplier-registration/ to register as a supplier on our Bank’s SAP Ariba Electronic system.

4)     Bidding will be conducted using the Bank’s open tender procedures.

5)   Copy of memorandum of association, renewed and valid Trade License, VAT Registration Certificate and TIN Certificate are required while submitting the bid document. 

6)   Bidders shall present a bid security in the form of unconditional & irrevocable Bank Guarantee or cashier’s payment order (CPO) or) at least valid for 120 days upon submission of proposal/or offer and the bid validity shall be 90 days from the bid submission date.

7)   Bidders must submit the TECHNICAL and the FINANCIAL OFFER in separate envelopes in duplicate copies labeled as original and copy accompanied by a bid security in an acceptable form as stated in the bidding document for both bid reference numbers.

8)     The sealed bid document shall be placed in the box prepared for this purpose on June 01, 2026, up to 5:00PM for DBOT15925/26 and DBOT11925/26 bids at the place mentioned herein Electronic submission is not allowed, and late bids will automatically result in rejection.

9)     The sealed bid document shall be placed in the box prepared for this purpose on May 29, 2026, up to 5:00PM for DBOT14625/26 bid at the place mentioned herein Electronic submission is not allowed, and late bids will automatically result in rejection.

10)Bids shall be opened in the presence of the bidder’s or their legal representative at Dashen Bank Head Quarter Building, 7th floor, Supply Chain Management Department meeting hall tentatively on June 02, 2026 at 2:00 PM Afternoon for DBOT15925/26 and DBOT11925/26 bids.

11)   Bids shall be opened in the presence of the bidder’s or their legal representative at Dashen Bank Head Quarter Building, 7th floor, Supply Chain Management Department meeting hall tentatively on May 30, 2026 at 9:30 AM Morning for DBOT14625/26 bid.

12)In the event of any discrepancies between this invitation and the bid document, the bid document prevails.

13)Failure to comply with any of the conditions stated above shall result in automatic rejection.

14)The Bank reserves the right to accept or reject the bid either partially or fully For any information you may contact with Tel no. 011 5-18-03-56 extension, 6034 or 4171 via corporate email at strategic.sourcing@dashenbanksc.com Dashen Bank S.C.

Dashen Bank S.C, Supply Chain Management Department

 Head Quarter Building 7^th floor, Located in Front of National Bank of Ethiopia

Addis Ababa, Ethiopia.

Dashen Bank Always One Step ahead!

DASHEN BANK S.C

CALL FOR NATIONAL COMPETITIVE BID (NCB)

1)   Dashen Bank invites eligible and interested bidders for the procurement of different items as per stated below; 

 2)   Interested and eligible bidders are invited to purchase and download of the bidding document via https://extratenders.net/  and https://dashen.afrotender.com to access the biding document by having paid Non-refundable fee ETB 500.00 (Birr Five Hundred only)  for each bid  reference  number starting from May 18, 2026.

3)     Bidders are advised to visit our official website at www.dashenbanksc.com or directly access supplier registration page at https://dashenbanksc.com/sap-ariba-supplier-registration/ to register as a supplier on our Bank’s SAP Ariba Electronic system.

4)     Bidding will be conducted using the Bank’s open tender procedures.

5)   Copy of memorandum of association, renewed and valid Trade License, VAT Registration Certificate and TIN Certificate are required while submitting the bid document. 

6)   Bidders shall present a bid security in the form of unconditional & irrevocable Bank Guarantee or cashier’s payment order (CPO) or) at least valid for 120 days upon submission of proposal/or offer and the bid validity shall be 90 days from the bid submission date.

7)   Bidders must submit the TECHNICAL and the FINANCIAL OFFER in separate envelopes in duplicate copies labeled as original and copy accompanied by a bid security in an acceptable form as stated in the bidding document for both bid reference numbers.

8)     The sealed bid document shall be placed in the box prepared for this purpose on June 01, 2026, up to 5:00PM for DBOT15925/26 and DBOT11925/26 bids at the place mentioned herein Electronic submission is not allowed, and late bids will automatically result in rejection.

9)     The sealed bid document shall be placed in the box prepared for this purpose on May 29, 2026, up to 5:00PM for DBOT14625/26 bid at the place mentioned herein Electronic submission is not allowed, and late bids will automatically result in rejection.

10)Bids shall be opened in the presence of the bidder’s or their legal representative at Dashen Bank Head Quarter Building, 7th floor, Supply Chain Management Department meeting hall tentatively on June 02, 2026 at 2:00 PM Afternoon for DBOT15925/26 and DBOT11925/26 bids.

11)   Bids shall be opened in the presence of the bidder’s or their legal representative at Dashen Bank Head Quarter Building, 7th floor, Supply Chain Management Department meeting hall tentatively on May 30, 2026 at 9:30 AM Morning for DBOT14625/26 bid.

12)In the event of any discrepancies between this invitation and the bid document, the bid document prevails.

13)Failure to comply with any of the conditions stated above shall result in automatic rejection.

14)The Bank reserves the right to accept or reject the bid either partially or fully For any information you may contact with Tel no. 011 5-18-03-56 extension, 6034 or 4171 via corporate email at strategic.sourcing@dashenbanksc.com Dashen Bank S.C.

Dashen Bank S.C, Supply Chain Management Department

 Head Quarter Building 7^th floor, Located in Front of National Bank of Ethiopia

Addis Ababa, Ethiopia.

Dashen Bank Always One Step ahead!

The Ethiopian herald Sunday 17 may 2026

Invitation to Bid Procurement Reference

Number: ET-Oromia Jima Rare Woreda-FSRP-517237-CW-RFB/25

The Jima Rare Woreda Agriculture and land Office intends to apply parts of the allocated budget of the Food System Resilience Program financed by the World Bank (IDA) toward the cost of the Construction of Dildila Aba Oromo Rehabilitation and Expansion SSI Projects and intends to apply part of the allocated budget toward payments under the contract of this construction works.

The Jima Rare Woreda Agriculture and Land Office now invites sealed bids from eligible bidders for the construction of the below Small Scale Irrigation project. The names of projects, locations, and amount of bid security, are indicated in the table below.

1. The Jima Rare Woreda Agriculture and Land Office, now invites contractors of Category WWC-5 and above, to submit sealed bids for providing the necessary labor, material, and equipment for the construction and completion of the above SSIP Construction Project. Invited Bidders should fulfill the following requirements & other appropriate documentary evidence demonstrating the bidder's compliance.

2. Domestic bidders shall have a certificate of competency from the Ministry of Urban Development and Construction or Regional Construction Authorities, renewed for the bidding period.

3. Commercial Registration Certificate, Renewed Trade license for the bidding period, Tax clearance certificate which is valid for the bid submission date that permits the bidder to participate in any public tender, TIN and VAT registration certificate and Contractors who intend to bid by forming an association (Joint Venture), each applicant or partner of a joint venture must purchase and collect the bidding document, prepared by the Bureau for this particular bid.

4. Interested eligible bidders may obtain further information from Woreda Agriculture and Land Office and inspect the bidding documents, including a complete set of Engineering Drawings in scanned copy which is necessary for bidding purposes, at the address given below at office hours.

5. Bidding documents may be purchased from Jima Rare Woreda Revenue Authority up to submission of written application and a non-refundable fee of 1000.00 (one thousand birr) in cash for each Lot Project within 30 continuous days starting from this ITB announced on newspaper.

6. The successful bidders shall expected to furnish 1% of contract price for ESHS performance, 10% of contract price for performance security bond and 20% of contract price for advance payment from unconditional Bank Guarantee.

7. The bidding procedure to be followed is Single stage, two-envelope procedure. Bidders shall submit One Original and Two photocopies for both the Technical proposal and financial offer Only the technical qualification documents offers will be opened and

8.financial bid prices and other necessary information will be not opening. The bidding procedure to be followed is a single-stage, two-envelope procedure. Bidders are required to submit Original and two photocopies each of the Technical Proposal and the Financial Proposal. The Technical Proposal shall include the wax- sealed Original, First Photocopy, Second Photocopy, and the Bid Security (CPO), each placed in a separate envelope. These envelopes shall then be enclosed together in one larger envelope clearly marked "Technical Proposal. "The Financial Proposal shall include the wax-sealed Original, First Photocopy, and Second Photocopy, each placed in a separate envelope. These shall then be enclosed in one larger envelope clearly marked "Financial Proposal." Finally, whole document shall be submit in one large outer envelope and wax sealed and outer cover contains all necessary information about the bidder & employer including project information.

9. The deadline of the bid submission shall be on or before 9:00AM (3:00 Local time) of the 13/06/2026 continuous day from the day announced on the newspaper. The documents will be submitted to Jima Rare Woreda vice Administration Office.

10. The qualification document will be opened at 9:30AM (3:30 local time) of the 13/06/2026 continuous day from the day announced on the newspaper. The documents will be opened Jima Rare Woreda vice Administration Office.

11. Any attempt of submission forged (fake) document and/or indication of financial offer on the qualification document shall result in rejection of the bid.

12. Any contractor who has termination history with the bureau, zonal offices and other regional sectors and with bad performance (proved) in their past contractual period, the Client has full right to reject those contractors during technical evaluation.

13. The contractor must visit the site before purchasing the bidding documents. Visit letter must be signed & stamped both with Contractor and Jima Rare Woreda Agricultural Office.

14. Only financial offers of those bidders who fulfill the minimum must meet evaluation requirements/criteria will be opened. The client shall address the financial opening date and time to the bidders.

15. Jima Rare Woreda Agricultural Office reserves the right to reject any or all bids.

16. A bid security for each lot in the form of a Cash Payment Order (CPO) or an Unconditional Bank Guarantee must be submitted as stated above, in the name of Woreda Agriculture and Land Office.

17. The Bid validity period shall be: Ninety (90) Calendar days after the latest date for submission of bid and shall be valid for twenty-eight (28) days beyond the original validity period of the bid Ninety (90) days.

18. The Woreda Agriculture and Land Office reserves the right to accept or reject any or all bids.

Ho/Gu/Wollaga Zone, Jima Rare Woreda Agriculture and Land Office

Woreda Administration G+1, Room No-18. FSRP Office

For more information, use Phone No: 0912015202

Jima Rare Woreda Agriculture and land Office