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.
Farming, livestock & fisheries
Livestock financing
For livestock farmers and traders buying animals and improving husbandry.

Livestock is a cornerstone of the regional economy. Xoolomaal supports livestock farmers and traders with financing to purchase livestock, improve animal husbandry practices and expand livestock-related businesses.
Livestock farmers and traders
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.
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Advice & financial educationMaal Academy on-site business counselling
Qualified business counsellors visit clients at their premises for personalised guidance.
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Farming, livestock & fisheries
Agricultural financing
Financing for small-scale farmers to expand operations, buy inputs and improve irrigation.
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Farming, livestock & fisheries
Fisheries financing
Equipment, boats, nets and cold storage for fishermen and fisherwomen.
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Trade & manufacturing
Trade financing
Working capital and inventory financing for SMEs, traders, wholesalers and retailers.
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