Products

Finance that grows with you

Sharia-compliant financing for small businesses.

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Products

Financing shaped around how you earn

Our most requested products, with repayment that fits your income.

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A woman farmer stands in her field of maize and groundnuts

Farming, livestock & fisheries

Beermaal

Agricultural financing

Financing for small-scale farmers to expand operations, buy inputs and improve irrigation.

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A trader at the counter of his mobile phone and electronics shop

Trade & manufacturing

Beecmaal

Trade financing

Working capital and inventory financing for SMEs, traders, wholesalers and retailers.

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A woman trader in her fabric and clothing shop

Women & youth

Marwo & Maal

Women's empowerment financing

Capital for women entrepreneurs to start or grow a business.

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Savings & services

Save, invest and support your family

Our services build on Somali traditions such as Ayuuto and Hagbad, combined with modern, Sharia-compliant financial practice.

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Why Maal

A regulated institution built for the informal economy

Maal Microfinance was established in 2020 to close the financing gap for micro, small and medium enterprises and for women entrepreneurs.

Licensed and supervised
Licensed by the Central Bank of Somalia and registered with the Ministry of Commerce and Industry.
Sharia-compliant
Every product is provided within the principles of Sharia, overseen by a Sharia compliance committee.
Collateral-free access
Free accounts, collateral-free financing and credit profiling for people conventional lenders exclude.
Financial education
Saving, account, financing and business-model training alongside every product.

Our impact

Financial inclusion, measured

Figures from the Maal Microfinance company profile.

Customers served: 12,000+
Financing disbursed: $12.5M+
Districts reached across Somalia: 15
Of beneficiaries are women and youth: 90%

400+
Hectares of farmland financed: 350+
Households provided with solar financing: 20+
Fishing cooperatives financed

Our model

Six steps to a more sustainable future

Every client moves through the same cycle — save, learn, invest and grow — with our team alongside at each step.

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Tooko Service

A Somali Ayuuto/Hagbad innovation that builds a saving culture among low-income people and small business owners.

Trust & governance

Licensed, governed and audited

Maal Microfinance L.T.D is a limited liability company licensed by the Central Bank of Somalia under the Central Bank Act (Law no. 130 of 22 April 2012). It is overseen by a Board of Directors with Sharia compliance, credit, HR and risk, compliance & audit committees, and is subject to external audit.