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our products

Tailored Financial Solutions within Islamic Finance

oUR PRODUCTS

Maal Microfinance offers a diverse range of products designed to meet the unique financial needs of individuals and businesses across various sectors. With a strong focus on fostering economic growth and empowering communities, Maal MFI provides innovative solutions that contribute to sustainable development. Let’s explore the six key products offered by Maal MFI.

Agricultural Loans (Beermaal)

Maal MFI understands the importance of agriculture in somali's economy. With Beermaal, we offer tailored financing solutions to farmers, enabling them to expand their operations, purchase equipment, acquire quality seeds and fertilizers, and improve irrigation systems. Our agricultural loans cater to small-scale farmers, empowering them to enhance productivity and achieve long-term sustainability. The repayment period is between 3 to 12 Months and the loan size ranges between $300 to $5000.

Livestock (Xoolomaal)

Understanding the importance of livestock in the region, Maal MFI provides Xoolomaal, a product dedicated to supporting livestock farmers and traders. Through this offering, individuals can access financing for purchasing livestock, improving animal husbandry practices, and expanding their livestock-related. The repayment period is between 1 to 12 Months and the loan size ranges between $100 to $5000.

Fishery (Badmaal)

Recognizing the potential of the fishing industry, Maal MFI provides Badmaal, a specialized financial product aimed at supporting fishermen and fisherwomen. Through Badmaal, we offer loans for the purchase of fishing equipment, boats, nets, and cold storage facilities. By facilitating access to capital, Maal MFI helps individuals in the fishery sector maximize their catch, improve processing capabilities, and expand their market reach. The repayment period is between 6 to 12 Months and the loan size ranges between $500 to $5000.

Renewable Energy (Tamar Maal)

In line with our commitment to sustainable solutions, Maal MFI offers Tamar Maal, a product focused on promoting clean energy adoption. Tamar Maal supports individuals and businesses seeking to invest in solar panels, energy-efficient equipment, and renewable energy solutions. By providing affordable financing options, Maal MFI aims to accelerate the transition to clean energy sources, reducing reliance on fossil fuels and promoting environmental sustainability. The repayment period is between 1 to 12 Months and the loan size ranges between $500 to $5000.

Trade (Beecmaal)

Maal MFI recognizes the significance of trade in driving economic development. Beecmaal provides financial solutions to SMES, traders, wholesalers, and retailers, facilitating their business operations and enabling them to seize market opportunities. With Beecmaal, entrepreneurs can access working capital, secure inventory, and enhance their distribution networks, ensuring a thriving and resilient trade sector. The repayment period is between 1 to 12 Months and the loan size ranges between $100to $10,000.

Manufacturing Loans (Birmaal)

Maal MFI assists entrepreneurs and businesses involved in manufacturing with Birmaal, a product designed to address their unique financing requirements. Whether it's expanding production capacity, purchasing machinery, or investing in technology upgrades, Birmaal offers flexible loan options and competitive profit rates. By supporting manufacturing enterprises, Maal MFI contributes to job creation, local production, and economic growth. The repayment period is between 1 to 12 Months and the loan size ranges between $1000 to $5000.

Housing and Real Estate

At Maal MFI, we understand that access to affordable housing is a fundamental need, yet a persistent challenge for many of our clients. That's why we've crafted a tailored real estate and housing product that empowers of our clients to take control of their living situation and invest in their long-term financial well-being. The repayment period is between 1 to 12 Months and the loan size ranges between $2000 to $5000.

Women Loan Program (Marwo&Maal)

Recognizing the crucial role of women in the economy, Marwo Maal focuses on empowering women entrepreneurs with access to tailored financial products and services. This program provides women with the necessary capital to start or expand their businesses, supporting their economic independence and fostering gender equality. The repayment period is between 1 to 12 Months and the loan size ranges between $100 to $10,000.

Youth Loan Program (Muruq Maal)

Maal MFI believes in the potential of the youth and their role in driving economic growth. Muruq Maal offers specialized loan programs for young entrepreneurs, providing them with financial support, mentorship, and training opportunities to start their own businesses and contribute to the development of their communities. The repayment period is between 1 to 12 Months and the loan size ranges between $100 to $10,000.

ISKA-MAAL Cooperative Financing Product

The ISKA-MAAL Cooperative Financing Product is a tailored financial solution offered by MAAL MFI, specifically designed to support cooperative groups in Somalia. It aims to empower cooperatives by providing accessible and affordable financing to scale their businesses, improve operational efficiency, and boost economic growth. This product promotes collective responsibility, ensuring cooperatives can access the financial resources needed for growth while fostering solidarity and self-sufficiency among members. ISKA-MAAL encourages innovation and sustainability, enabling cooperatives to enhance productivity, expand market reach, and adopt environmentally friendly practices.
Social Impact

Social Impact

Agricultre (Beermaal)

400+ Hectors we financed

Iska-Maal Cooperative Financing Product

We funded 10 cooperatives.

Renewable energy (Tamar maal)

350+ Households provided with solar financing

Livestock (Xoolomaal)

50k Livestock heads we financed

Women loan program (Marwo & Maal)

95% OF Our clients are women

Manufacturing loans (Birmaal)

We financed 80 small manufacturers.

Fishery (Badmaal)

We funded 20+ fishing cooperatives.

Youth loan program (Muruqmaal)

We have 85% of young clients.

Housing and real estate

238+ Houses we financed

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