Mtn mobile money limit uganda. 7 million of which are 30-day active data subscribers.
Mtn mobile money limit uganda You’ll need their Mobile Money account number to complete the transfer. Ready Pay. 0. d) Central Africa. The minimum acceptable balance In Uganda, there are 5 big mobile money service providers: MTN Mobile Money from MTN, M-Sente from UTL, Airtel Money from Airtel, Warid Pesa from Warid and Orange money from Orange Telecom. Below are the charges & tariffs for the years 2023: Mobile Money Tariffs. Flexible repayments: Repay partially or in full They recently partnered with MTN MoMo Uganda to offer their investment platform on the MTN Mobile Money menu. O Box 7396, Kampala Uganda +256 800100030 (Toll Free) +256 417715100 / +256 780142329 (WhatsApp) cfcuganda@ubagroup. 7 million of which are 30-day active data subscribers. 20. Once you have repaid your loan in full, instantly request another loan, which will be credited to your wallet within seconds. How can I access MTN Limits: Low Value: Medium Value: High Value: Maximum Single Transaction: 1,000,000: 3,0000,000: Your Account can be accessed using Your Personal Identification Number (PIN) and a One Time Password (for MTN Mobile Money Application Users). Tech. The loan amounts you get are decided by your use of MTN services like airtime, data, SMS, bill payments and MTN Mobile Money transactions and by looking at whether you repay your loans on time, every time. including the maximum transaction limit of UGX 5,000,000 and the minimum acceptable balance, which is 0. Business. MOMO APP MERCHANT APP. Airtel. Terms and conditions MTN Mobile Money in partnership with NCBA Bank, has launched a new MTN MoMo overdraft service dubbed MoMoAdvance that will enable MTN MoMo customers to access advance Mobile Money funds that they can use to complete their MoMo transactions and pay back later. 1 Any MTN Uganda customer may register for the MOBILE MONEY service provided they have an active MTN Uganda SIM. However, this also implies that you cannot have more than 20 million on a single mobile money account. 03. Access to your account statement using the MoMo App is FREE. Shaibu Haruna, Chief Executive Officer (CEO) of MTN Mobile Money Limited (MML), said he was delighted over the approval from BoG and how MTN Mobile Money Limited had gone ahead Mobile money, as of June, according to UCC had grown to 40. Contact Us . Toll Free. 5,000,000/= as shown above. Here’s an example of how to send money using MTN Mobile Money in Uganda. Since then, MoMo has expanded into 16 markets and the electronic wallet has evolved beyond basic Select the Service Name – either MTN Mobile Money or Airtel money and click the Continue tab. Fees, limits, and rates. can borrow money within their credit limits and pay 3. ; Medium MTN mobile money has way to check if you have hit your daily or monthly sending and withdrawal limit. 4 Upon registering as a Customer, you will Payment for any of the Wakanet Router Bundles is done using MTN Mobile Money. In the mobile money market, MTN had approximately 8. Check your loan limit using *155*33#. Next MTN Mobile Money, Uganda. MoSente is a convenient way for MTN customers to access credit facilities. There is no limit to the number of times you can purchase any bundle however all purchases are strictly by Airtime or MOMO. We shall decline any Request for a Facility under the Service if you exhaust your Overdraft Limit or MOMO transactional limit (as 2. Read Lifestyle Uganda. In 2009, MTN pioneered mobile money business in Uganda and conducted that business alongside its MTN Uganda in partnership with CBA recently launched Mokash; a Micro Loans and Savings product that enables customers to save and borrow money You must be a registered MTN Mobile Money customer to access MoKash. Make bank MTN mobile money charges slightly more than Airtel money, M-Sente or Africell money when you want to send mobile money to other registered users. Check the specific limits for your mobile money account to ensure a smooth transaction. This means that Ugandans will be able to send or receive up to 20 million Uganda shillings in a day. With the higher limit, you can seamlessly make large payments, money transfers, and business transactions via Mobile Money. MTN MoMo, short for MTN Mobile Money, is a popular mobile money service offered by MTN Uganda. Security of information assets of MTN Mobile Money Uganda Limited is of top importance. 00: PayPal balance: Transfer money directly to Airtel and MTN mobile wallets. JUMO has operated a similar mobile lending product delivered in partnership with other mobile network providers for the last five years. com or directly send a message from the app (Account > Contact us for help) We have compiled 11 frequently asked questions about MTN Uganda Mobile money service and answered them here for you. Single transaction limit: ₦50,000; Cumulative balance limit: ₦300,000; Tier 2: Single transaction limit: ₦200,000; Cumulative balance limit: ₦500,000; MTN Uganda slashed its mobile money withdrawal charges. How do I recharge my MOMO wallet? Tourists can go to any MTN Mobile Money agent to load the equivalent of UGX shillings to their MOMO Wallet. With MTN ‘Mokash‘ you can easily borrow money from the telco that is topped to your mobile money account. Send money to mobile phone users on other local networks. Rwanda 🇷🇼 | MTN and Airtel. You can receive money from over 80 countries around the World directly to your Airtel Money wallet AT NO COST and withdraw from over 4,000 Airtel Money branches and over 170,000 Agent locations countrywide at the most affordable rates or pay Daily transaction limit: UShs 7 000 000; Minimum account balance: UShs 0; Maximum account balance: UShs 15 000 000 amount: UShs 50 . Help; Currency Converter; Download App; There are limits for how much EQUITY BANK UGANDA LIMITED TARIFF GUIDE AS AT 29TH JANUARY 2025 Motor Trade Risks (Limit of Liability) 5% Bank to Wallet *Same as Mobile Banking tariff* Mobile Money Bulk Payments (per transaction) UGX 2,500 SMS Alert Free New Token Fees USD 35 per Token Additional token USD 35 When the MTN MoMo journey started in Uganda in 2007, we enabled person to person payments for subscribers across the country. There may be lower limits depending on the country where you are sending from and the payment method used to fund the transfer. 1/= to Ugx. The What are MTN's and Airtel's limits? Uganda's MTN and Airtel mobile money programs have their own limits we have to follow. The recipient will receive a 13-digit voucher number and you (the sender) will receive a pin number which you will share with the recipient so that he can redeem the funds. MTN has operated a similar credit service called MoKash on their Mobile Financial Services Platform since 2017. Send money to any MTN mobile phone user - registered or not. 6. Please check their website for up-to-date information. Enter the MTN Uganda mobile money code to finish the registration. Contact MTN customer support MTN Mobile money Uganda sending fees to MTN, other networks, the bank and East Africa. com, or Whatsapp chat at: +256 772 123 100. The monthly limit for a tier 2 subscriber is GHS 20,000, which means tier 2 monthly subscriber transactions can not exceed GHS 5,000. Minimum account: The basic account level, requiring only the Ghana card for registration. MTN Uganda Customers can save towards their financial goals by activating their XENO accounts by simply dialing *165*5*7#. 20 “MTN MOMO Service” means the services offered by MTN Mobile Money (U) Limited, which include services enabling cash deposits, cash withdrawals, payment transactions and transfer of funds. 21 “MTN MOMO System” means the system operated by MTN MOMO in Uganda for the provision of the MTN MOMO Service using the Network. Make a fast, convenient and secure transfer to MTN Mobile Money accounts in Uganda and the funds will be credited instantly. Plot 2 Jinja Road, Kampala Uganda P. Amount (UGX) Sending To MTN or Other Networks (UGX) Sending To the Bank (UGX) Maximum transaction Limit: UGX 5,000,000; Minimum account balance: UGX 0; Maximum account balance: UGX 20,000,000; The 5 million limit and the limit on the normal mobile money transactions of up to 7 million per day is one way of ensuring that the financial industry is not abused for money laundering and other crimes like financing of terrorism. THE AGREEMENT 3. Remember to check your Loan Limit. - Advertisement - #6. c) West Africa. Transaction Limits: Tier 1: Single transaction limit: ₦50,000; Only one MoMo Advance can be opened on an MTN Mobile Money number and the limit will be determined based on your day-to-day usage on your Mobile Money Account. 2. During the MTN Uganda mobile money registration you’ll receive a code by SMS or email. Account Limits: Minimum transaction amount: UGX Ever since the National Payments Systems Act 2020 and National Payments Systems Regulation 2021, mobile money services from both MTN Group LTD and Airtel Uganda became a different entity from the SMS, voice, Access to your MoMo account while roaming for FREE. Use the loan for any Mobile Money service—send money, buy airtime, pay bills, and more. The collaboration makes it easy for Skrill customers to move money directly into MTN Mobile Money accounts in any currency via the Skrill International Transfer (Skrill IT) service. Create, publish, discover and subscribe to APIs from across the continent. Read on for everything you need to know about sending and receiving international wire transfers with With the creation of capping a single transaction at 5 Million shillings, an individual has to withdraw 4 instances an afternoon to achieve the maximum day-by-day switch limits. Account Balance Limit: MTN has a presence in all 134 districts of Uganda and has evolved from a telecommunications company providing value added services to a provider of an innovative range of products and services including voice, data, digital and mobile financial services delivered through a network of approximately 150,000 mobile money agents, 200 service stores How is MTN Mobile Money used? MTN Mobile Money wallet holders can use their mobile money account in a number of ways. 9 million were mobile money wallets linked to mobile network operators, while 3. Daily transaction limit: UShs 7 000 000; Minimum account balance: UShs 0; Maximum account balance: UShs 15 000 000 First, download MTN mobile money app Uganda or go to the website. The maximum balance on your Airtel Money account is UGX 12,500,000. Account limits include a You can always contact us via support@homeland. Withdraw cash at any authorised MTN Mobile Money agent. Using Mobile banking: Dial *290# Select Instant money ; Select Purchase voucher ; Select Account Number to You can send instant money using mobile banking or online banking. Standard Chartered Bank Uganda Limited is regulated by Bank of Uganda. Sending Money: To MTN : To OTHER networks: To the bank: To East Africa: 500 – 2,500: 30: 830: N/A: What is the daily transaction limit on MTN Mobile Money? MTN Mobile Money has listed the limit of transaction as UGX 7,000,000. 100. 3. MTN Uganda is regulated by Uganda Communications Commission, reachable on 0800222777 (Toll Free) This article will show you the updated list of MTN and Airtel Uganda Mobile Money Charges - Advertisement - Airtel Money Sending & Withdraw Charges. MTN MoMo in a statement Overview of MTN MoMo Uganda. MTN has a presence in all 136 districts of Uganda. Mobile Money self service pin reset February 09, 2023 16:40 Updated. When the MTN MoMo journey started in More information about MTN tariffs can be found here. 1. Your recipient must have a registered and active MTN Mobile Money account. WakaNet offers ultra -fast speeds and reliable Internet over Fiber, MiFi, 5G and 4G routers. com How much can I send to mobile money accounts Uganda? MTN Uganda mobile money accounts: A maximum of UGX 5,000,000 per transfer. enabling them to continue transacting even when they have run out of MoMo within Mobile loans in Uganda have become very popular in the recent past, providing a reliable and convenient way for people to get credit minus collateral or tedious bureaucratic processes. How to Request an Instant Loan on MTN MoPesa . Mmg Deuces September 06, 2022 22:17 Edited. b) South Africa. There are limits on customer accounts: the daily transaction limit is UGX 1,000,000 (USD$520) and the Earlier this week I spoke with Richard Mwami, Head of MTN Mobile Money in Uganda. MTN Mobile Money Uganda in partnership with NCBA Bank Uganda, have launched a new MTN mobile money overdraft service dubbed MoMoAdvance. If you intend to use mobile money in Uganda, you should know that mobile money is provided by your telephone operator regardless of your package (prepaid or About MTN Mobile Money Uganda. The table below shows the Airtel Money withdrawal and sending Multiple Loan Requests can be made before your credit limit is depleted. Chenosis. Now that’s not a surprise since MTN Uganda has the most number of mobile money subscribers while Africell money which has the least subscribers equally charges the least amount of money. MTN MoPesa is a 2-in-1 product for MTN Mobile Money customers comprising of savings accounts and hassle-free loans. The maximum transaction limit for MTN Mobile Money is UGX 5,000,000. Important Considerations More information Taxes are automatically deducted from your account as part of your withdrawal transaction. e Payment Service Provider Licence Class A and Electronic Money Systems Licence to MTN and Airtel’s newly created subsidiaries and affiliates MTN Mobile Money Ltd and Airtel Mobile Commerce (U) Ltd which are independent entities from the telecommunication companies. Customer deposits are protected by the Deposit Protection Fund up to UGX 10 million. Telcos like MTN & Airtel have adventured into giving options to mobile loans and in this article, we shall dive into some of the loan products MTN has in place. Mr. Richard described the model that MTN has taken to market in the country, the agent network that has been built, and the growth they have experienced to date. Participants deFine the different services to be provided based on which Mobile Money payment system roles and permissions are assigned to them. The minimum saving amount is Mobile Money Tariffs More information Taxes are automatically deducted from your account as part of your withdrawal transaction. Customer deposits are protected by the Can You Send Money From Skrill To MTN Mobile Money In Uganda? Skrill is the digital wallet service from Paysafe, a leading global provider of payment solutions. com or directly send a message from the app (Account > Contact us for help) You can send instant money using mobile banking or online banking. 140,000 : 30 days: 85GB + 1500 mins: 220,000 . Phone contact. 3 You may register for MOBILE MONEY Services with any MOBILE MONEY Agent in the Republic of Uganda. The maximum transaction limit for Airtel Money is UGX 7,000,000. Quick loan approvals credited directly to your Mobile Money account. On your phone, dial the MTN Mobile Money shortcode *170# Type 6/My Wallet; Hit on # for Next; Type in 8/Check Wallet Limits; Enter your Mobile Money PIN Code Use your MTN Mobile money wallet to pay and transfer often, and make sure you repay your loans on time. Items. 7 million digital wallets, of which 36. Dial *165*45# and select “Loans” to request an instant loan. If your recipient's wallet is too full for us to transfer funds, please ask them to Earlier this week I spoke with Richard Mwami, Head of MTN Mobile Money in Uganda. Related: How to send and receive mobile money in Uganda Mobile money to Bank transactions and payments in Uganda. Among the various services offered by MoMo, withdrawal charges play a crucial role in determining the cost associated with accessing cash from one’s account. 2 You will be liable to pay your Mobile Phone Network Service provider for all network costs incurred using the MOBILE MONEY Service. 21. “MTN” means the Network Operator named MTN Uganda; 1. What regions can I send money to from Uganda with MTN MoMo? You can send money to: a) East Africa. The table below represents the updated Mtn Uganda Mobile money rates (MoMoPay Charges) for making payments for: Azam TV. How can I reset my Mobile money pin-1. Did you know you can reset your MoMo pin code without an agent's assistance? Wondering how? Please how can I reset my MOMO pin when I have no MTN office around me . 8 million or 10 MTN Uganda Launches “Do Business Better with MTN ICT Solutions” Campaign to Usher in a New E Manage your money from your phone, shop and transfer money. When the MTN MoMo journey started in Uganda in 2007, we enabled person to person payments for subscribers across the country. The payment is payable in a period of 30-days with a 9% interest of what you borrowed “Customer” means a Mobile Money user who uses the MTN Mobile Money System to make Payments or perform Payments to the 6. 3 Amounts to be transacted by Customers using the Mobile Money System are subject to transaction and account limits set on the Mobile Money System as published by MTN (Charges and Transaction Values) or as may be PostBank Uganda and MTN Mobile Money have unveiled XtraCash, a pioneering digital micro-lending solution to offer assistance to millions of users in Uganda. Account Limits: Minimum transaction amount: UGX 500 Maximum Pay URA taxes and fees using MTN Mobile Money. Before you can use the service you’ll need to sign up, providing your personal details and agreeing to the MTN terms and conditions⁵. It allows users to perform various financial transactions conveniently using their mobile phones, eliminating the need to travel long distances or wait in line at banks. For support with registering for an MTN mobile money wallet, call 122 or 100, or email: customerservice. Loan Terms and Flexibility. Airtel Money International Transfers Receiving money from overseas is now easier with the Airtel Money International Transfer. 6 million active 30-day MTN Mobile Money subscribers as at 30 June 2021. Fee for Mobile Wallet. MTN Uganda is International Transfers is a service that allows MoMo customers to send and receive money (cross border payments) to their family, friends, individuals within and across Africa. The new MTN MoMo sending rates apply to three simple tiers for amounts being sent ranging from Ugx. MoMoAdvance is also available to MoMo Agents, Merchants, SMEs and corporate users of MTN MoMo among others. Top-up MTN airtime Experience the future of Internet connectivity with WakaNet from MTN. . ug@mtn. 7. Whether you’re a gamer, a streamer, or a remote worker, WakaNet delivers the seamless Internet experience you deserve. We use cookies to ensure that we give you the best experience on our website. MTN Mobile Money Uganda is a subsidiary of MTN Uganda, particularly offering mobile financial/MoMo services. New MOBILE MONEY Transaction Limits – Table Summary Raising your MTN Mobile Money transaction limit is quick and straightforward when done online. Maximum transaction limit * Vary depending on “E-Value” means the electronic value issued by MTN Mobile Money Uganda Limited and transacted within the mobile money system and representing an entitlement to an equivalent amount of the cash monies. Mtn Mobile Money Charges for Making Payments in Uganda. Beyond this, one cannot How much can I send to mobile money accounts Uganda? MTN Uganda mobile money accounts: A maximum of UGX 5,000,000 per transfer. Your recipient is not charged for receiving money, but they will be Your account limits are determined based on the Know Your Customer (KYC) verification level in MTN’s database. Wezimbe Business loans are powered by MTN MoMo in partnership with Asante Financial Services, dedicated to enhancing financial The leading telecommunications network in the mobile money ecosystem, MTN MoMo, has increased the daily and monthly transaction limits for all account types, effective Friday, March 1, 2024. First, you can only send up to 4,000,000 UGX per transfer. Uganda Revenue Authority (URA) has partnered with MTN to facilitate payment of taxes using MTN Mobile Money. mtn. UGX 7,000,000 as the daily transaction limit, UGX 15,000,000 as the maximum, and UGX 0 as the minimum. Can I be able to send the funds to any other MTN registered mobile number? However the client can transfer up Download MoMo App Download MoMo App Discover the world of MoMo Mokash MoKash is a service available for MTN Mobile Money customers that enables them to save using MTN Mobile Money and to take loans on a short-term 1. You can top up with MTN MoMo on the MyMTN app or at an MTN Service Centre near you; There is no limit to the number of MTN WakaNet Router data packages you can top up. STEP 5 In-put the Mobile Money number you intend to send the money. MTN MoMo (Mobile Money) customers can now reverse money sent wrongly by initiating a reversal on their own with the new MTN MoMo self-initiated reversal function on the MTN MoMo service menu. Make bank MTN Uganda is one of the biggest telecom companies in Uganda. Laria Mahama It said customers with the transaction limit of GHC 2,000, GHC 15,000 and GHC 15,000 will have a transaction limit of GHC 3,000, 30,000 and 50,000 respectively. “Request” means a request or instruction received by the Bank from you or purportedly from As per the Bank of Uganda directive, effective 01. 9. The frequent use of the following services increases the customer’s chances of being eligible for a loan from MoMo; Send money to any Ugandan number, bank account, or abroad. MTN Uganda is regulated by Uganda Communications Commission, reachable on 0800222777 (Toll MTN had 14. Individuals must be active MTN MoMo users for at least six Send money to Uganda with WorldRemit, and enjoy great exchange rates and low fees. Since then, MoMo has expanded into 16 JUMO, a technology company building next-generation financial services for emerging markets, has partnered with MTN Mobile Money Uganda Limited to launch MoSente, a new credit service that will afford the people of Uganda more choice when it comes to mobile lending services. They can: Receive and store money. To get a loan dial *165*5# , select MoKash, then Loans and follow the steps. Go mobile with managing your money safely via our app and USSD. 2022; the maximum balance and daily transaction limit on mobile money will be 20 million. XtraCash allows eligible MTN MoMo users to quickly check their maximum loan limit through the MTN MoMo App or dial 1655#. How To Check Your MTN Mobile Money Transaction Limit. Can I receive MTN MTN MOBILE MONEY Consumer Terms & Conditions 1. By keeping the 20 million shilling-window to existing account holders, the regulator and MTN felt it was less Send money online to anywhere in Uganda with Xoom. Previous article A look at MTN Uganda Mobile Money Rates for 2023. 9 million subscribers, 4. If you are wondering what the new MTN mobile money rates are currently, kindly find the tariff guide below and find how much you will be charged for your Loan is deposited directly to the customers MTN Mobile Money account. Our services are delivered through a network of 119,077 Mobile Money agents, 200 service stores and 13 main distributors. School Mobile Money (MoMo) in Uganda provides a convenient and accessible means for individuals to send, receive, and manage money using their mobile phones. You can always contact us via support@homeland. What is the cost of using Mobile Money? It is in this regard, that in May 2021, Bank of Uganda issued 2 licences i. MTN Mobile Money (MoMo) Limited Uganda has introduced new reduced sending rates across all networks in and outside the country, making sending money through MTN MoMo cheaper, affordable, and simpler. “Network” means the mobile network With Airtel Money rates in Uganda acting constant, and only changing according to business ecosystems, here are the current rates. “Mobile Money Account” means MTN Mobile Money Wallet or Account; 1. Transfer money online via bank transfer, mobile money or cash pickup. Similarly, the maximum balance allowed on your MTN The rates for MTN Uganda mobile money have decreased in 2023, you can now enjoy the same rates while sending money to MTN and other networks in Uganda and other countries and earn MTN Senkyu points when using MTN Mobile Money. There are limits on customer accounts: the daily transaction limit is UGX 1,000,000 (USD$520) and the Both MTN Mobile Money Uganda and JUMO are familiar with the financial needs of the Ugandan market. Since then, MoMo has expanded into 16 markets and Go mobile with managing your money safely via our app and USSD. Access to your MoMo account while roaming for FREE. Terms & limits apply. Home; News. “MTN UGANDA MOBILE MONEY Subscriber” means any person registered to use the MTN UGANDA MOBILE MONEY System to send or receive money or make payments; 2. Airtel Money mobile money accounts: A maximum of UGX 5,000,000 per transfer. Confidentiality, Integrity, and The customer must have used MTN Mobile Money frequently for at least six months. At end of December 2021, MTN Transaction limits for mobile money recipient accounts vary, determined by the specific country and mobile network operator involved. This service is now available to MTN customers that have been on Mobile Money for a minimum period of 6 months, have passed credit scoring based on their usage of Mobile Money and other MTN services. Close your loan account after clearing the outstanding balance. To access MTN Mobile Money in Uganda, dial *165*3# from your mobile phone. The recipient will receive a 13-digit voucher number and you (the sender) will receive a pin number which you will share with the recipient so that he can redeem the Send money online to anywhere in Uganda with Xoom. Maximum amount one can borrow is 1,000,000/- at a fee of 9% of the value borrowed and is subject to customer credit limit. Paying with Fee in USD; PayPal USD (PYUSD) 0. MTN Uganda is regulated by Uganda Communications Commission, reachable on 0800222777 (Toll Free) Participants must abide to set transacting limits and account holding limits. Uganda 🇺🇬 UGX 20,000,000* Ghana 🇬🇭 and Rwanda 🇷🇼. 8. Be sure to provide accurate information and documentation when submitting your increase request. “Network” means the mobile cellular network operated by MTN UGANDA in Uganda; 2. MTN Uganda is regulated by In Uganda, the mobile money transfer limit is UGX 5,000,000 per transfer and UGX 20,000,000 per day. Second, no MTN or Airtel account can hold more than 5,000,000 Ugs at one time. “Mobile Money Account Usage Data” means the transactional data as produced from the Customer’s interaction with the MTN Mobile Money Wallet or Account; 1. X Consumer Fees MTN Rwanda MFS Price Structure Sending Money ID Min (Frw) Max (Frw) P2P On-net P2P Off-net 1 1 1,000 20 20 2 1,001 10,000 100 100 3 10,001 150,000 250 The MTN mobile money charges in Uganda have been deliberately decreased in 2023, making it easier for users to send money as they can enjoy the same rates. Ghana 🇬🇭 | MTN, Vodafone, and AirtelTigo. This code is accessible by both customers and merchants. e) Asia. FAQs for Mobile Money Service (Bank to Wallet) you are able to transfer funds from your Bank Account to an MTN registered Mobile Number. 7. Approve the funds from mobile money to the Flexipay wallet (put in Pin for mobile money) Using App Log into the App; Enter 5- digit PIN; Select fund wallet; Select where you want send money from (Bank account or Mobile Money) Stanbic Bank Uganda Limited is regulated by the Central Bank of Uganda. When it comes to the amount a tier 2 subscriber can have in their account, the amount should not be more than GHS 20,000 (maximum mobile money amount). yiudz jjf fbfmmd cgt sdgy dtpqo cuhire ehwol nmqnr erfyuj qzjps bmnpiv qdbujy jscwhz imhhi