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Groups & cooperatives

Iska-Maal

Cooperative financing

Accessible financing that helps cooperative groups scale and work more efficiently.

Financing amount
$500 – $10,000
Term
6–24 months
Repayment
Daily · Weekly · Monthly
Apply for Iska-MaalRequest a call back
Maal Microfinance staff register clients at a community meeting beside a Maal banner

Overview

ISKA-MAAL is a cooperative financing product designed for cooperative groups in Somalia. It provides accessible financing to scale their businesses, improve operational efficiency and boost economic growth. It promotes collective responsibility, solidarity and self-sufficiency among members, and encourages innovation, sustainability and environmentally friendly practices.

What you can finance

  • Scaling cooperative businesses
  • Operational efficiency
  • Wider market reach

Who it’s for

Cooperative groups

Eligibility

  • Cooperative groups within the Tooko community
  • Members aged 18–60

Documents

A loan officer will confirm which documents are needed for your application.

How to apply

Apply now or visit your nearest branch. Our team will review your request and contact you.

Questions

Is this financing Sharia-compliant?

Maal Microfinance states that all of its financial products are provided in line with the principles of Sharia. Ask our team how the structure of your financing works.

Does applying online mean my financing is approved?

No. An online application lets our team start an assessment. Every request is reviewed, and the final amount and term depend on that assessment.

Savings & services

Services that support you

  • Customers wait in the Maal Microfinance branch while staff at service desks help clientsSavings & investment

    Tooko

    Tooko savings service

    An adaptation of the traditional Ayuuto/Hagbad system that builds a culture of saving and investment among low-income individuals and small business owners.

    Learn more
  • A young entrepreneur sits in his cosmetics shopAdvice & financial education

    Talo Maal

    Talo Maal free business consultations

    Personalised, free business consultations for start-ups and existing small businesses.

    Learn more
  • Maal Microfinance staff register clients at a community meeting beside a Maal bannerAdvice & financial education

    Maal Dhowr

    Maal Dhowr financial literacy training

    Interactive financial literacy training for individuals and community groups.

    Learn more

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

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  • A herder with his camels in a livestock yard

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    Livestock financing

    For livestock farmers and traders buying animals and improving husbandry.

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