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Digital tools

Xisaab Maal

Xisaab Maal digital bookkeeping

Manage your business transactions digitally.

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A woman entrepreneur stands in her café beside the espresso machine

Overview

Xisaab Maal is a digital platform designed for small business owners to manage their financial transactions efficiently. It is supported by free theoretical and practical learning sessions.

Financing that goes with it

  • A trader at the counter of his mobile phone and electronics shop

    Trade & manufacturing

    Beecmaal

    Trade financing

    Working capital and inventory financing for SMEs, traders, wholesalers and retailers.

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  • A woman trader in her fabric and clothing shop

    Women & youth

    Marwo & Maal

    Women's empowerment financing

    Capital for women entrepreneurs to start or grow a business.

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  • Trade & manufacturing

    Birmaal

    Manufacturing financing

    For entrepreneurs expanding production, buying machinery or upgrading technology.

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More services

  • 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.

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  • Entrance of the Maal Microfinance L.T.D office with the Maal logo above the doorSavings & investment

    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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  • A young woman smiles inside her small grocery shopPayments & family support

    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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