Minute Loan — borrow talk time
Minute Loan keeps conversations going when the balance runs low, and recovers the loan automatically on the next top-up.
What is Minute Loan?
Minute Loan is a convenient telecom service that allows subscribers to borrow talk time in minutes when their balance runs low, so they can continue making calls without interruption even when out of credit.
The loaned minutes and a service fee are recovered on the subscriber’s next recharge. MBT operates the eligibility, disbursement, and recovery engine and integrates it with the operator’s billing.
How Minute Loan works
- 01
Low balance
A subscriber wants to make a call but does not have enough credit.
- 02
Borrow
They request talk-time minutes via USSD or SMS and are scored instantly.
- 03
Talk
Minutes are credited immediately so the call can continue.
- 04
Repay
The loaned minutes and fee are recovered on the next recharge.
Key features
Instant talk-time credit
Minutes delivered in seconds to avoid dropped conversations.
Eligibility scoring
Dynamic limits based on subscriber history keep recovery high.
Automatic recovery
Loans and fees settle at the next top-up with no manual steps.
Operator-integrated
Connected to charging and recharge systems for real-time settlement.
Business impact
- Prevents interrupted calls, improving subscriber experience.
- Adds fee revenue with automated, low-risk recovery.
- Complements SIM Credit and Data Loan as a full micro-lending suite.
Minute Loan — frequently asked questions
What is Minute Loan?
Minute Loan is a telecom service that lets subscribers borrow voice talk time in minutes when their balance is low, so they can keep making calls. The minutes and a service fee are repaid on the next recharge.
How is a Minute Loan repaid?
The borrowed minutes plus a small service fee are automatically recovered from the subscriber’s next recharge.
How is Minute Loan different from SIM Credit?
SIM Credit advances general balance the subscriber can spend on any service, while Minute Loan specifically advances voice talk-time minutes. Both are part of MBT’s operator micro-lending suite.
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