01 -
Preheat the oven to 180°C.
02 -
In a medium mixing bowl, combine refried beans, sour cream, ground cumin, and chili powder. Stir until evenly mixed.
03 -
Fold in half of the shredded cheddar cheese, mixing thoroughly.
04 -
Spread the bean mixture evenly into a small oven-safe dish.
05 -
Sprinkle the remaining cheddar cheese evenly over the top.
06 -
Bake in the preheated oven for 20 minutes, or until the cheese is fully melted and the edges are bubbling.
07 -
Remove from oven and let stand 5 minutes before serving warm, garnished if desired.