Savings & investmentTooko
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 moreLicensed by the Central Bank of SomaliaCBS
Online accounts are on their way
Soon you will be able to sign in and follow your savings and financing online. Until then, call 2773 or visit your branch.
Groups & cooperatives
Producer group financing
For agricultural producer groups in farming, livestock and fisheries.

The Producer Group Loan is geared towards agricultural groups, including those involved in farming, livestock and fisheries, helping groups of producers scale their operations, improve productivity and strengthen supply chains.
Producer groups
A loan officer will confirm which documents are needed for your application.
Apply now or visit your nearest branch. Our team will review your request and contact you.
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.
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
Savings & investmentTooko 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
Advice & financial educationTalo Maal free business consultations
Personalised, free business consultations for start-ups and existing small businesses.
Learn more
Advice & financial educationMaal Dhowr financial literacy training
Interactive financial literacy training for individuals and community groups.
Learn more
Groups & cooperatives
Cooperative financing
Accessible financing that helps cooperative groups scale and work more efficiently.
Learn more
Farming, livestock & fisheries
Agricultural financing
Financing for small-scale farmers to expand operations, buy inputs and improve irrigation.
Learn more
Farming, livestock & fisheries
Livestock financing
For livestock farmers and traders buying animals and improving husbandry.
Learn more