Services & programmes

Savings, family support, advice and financial education — built on Somali traditions and modern practice.

Savings & investment

Community-based saving and profit-sharing deposits.

2 services

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.
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Taran
Taran fixed saving (Mudaraba)
Deposit funds for a fixed term and receive a portion of the profits earned from investing the pooled resources.
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Supporting families and handling payments and currency exchange.

3 services

Taakulo
Taakulo programme
Support family, friends or community members: your deposit provides 75% of the assistance and Maal Microfinance adds the other 25%, paid out as a revolving loan.
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Tanaad
Tanaad family payment programme
Make one annual payment and Maal Microfinance distributes monthly payments to the people you support — at home or abroad.
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Foreign Exchange
Foreign exchange services
Currency exchange for individuals, businesses and organisations.
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Free consultations, training and learning resources.

5 services

Talo Maal
Talo Maal free business consultations
Personalised, free business consultations for start-ups and existing small businesses.
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Maal Dhowr
Maal Dhowr financial literacy training
Interactive financial literacy training for individuals and community groups.
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Financial Education
Financial education programme
Practical lessons on saving, accounts, financing and running a well-managed business.
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Maal Academy
Maal Academy on-site business counselling
Qualified business counsellors visit clients at their premises for personalised guidance.
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Maal Podcast
Maal Podcast
Interviews with experts on financial and entrepreneurial topics, to listen to at your convenience.
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Digital tools for small business owners.

1 services

Xisaab Maal
Xisaab Maal digital bookkeeping
A digital platform for small business owners to manage financial transactions, with free learning sessions.
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Talk to our team at your nearest branch, or apply for financing in a few minutes.