Farming, livestock & fisheries
Beermaal
Agricultural financing
Financing for small-scale farmers to expand operations, buy inputs and improve irrigation.
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What we do
Financing, savings and advice under one roof
Sharia-compliant products for farmers, traders, women, young people and groups — and the savings, family-support and training services that go with them.
Products
Financing shaped around how you earn
Every product is Sharia-compliant. Amounts and terms are confirmed once we have assessed your application.
Farming, livestock & fisheries
Xoolomaal
Livestock financing
For livestock farmers and traders buying animals and improving husbandry.
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Farming, livestock & fisheries
Badmaal
Fisheries financing
Equipment, boats, nets and cold storage for fishermen and fisherwomen.
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Trade & manufacturing
Beecmaal
Trade financing
Working capital and inventory financing for SMEs, traders, wholesalers and retailers.
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Birmaal
Manufacturing financing
For entrepreneurs expanding production, buying machinery or upgrading technology.
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Tamar Maal
Renewable energy financing
Solar panels and energy-efficient equipment for households and businesses.
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Housing & Real Estate
Housing and real estate financing
Helping clients take control of their living situation and invest in a home.
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Women & youth
Marwo & Maal
Women's empowerment financing
Capital for women entrepreneurs to start or grow a business.
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Women & youth
Muruq Maal
Youth entrepreneur financing
Financing, mentorship and training for young entrepreneurs.
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Groups & cooperatives
Iska-Maal
Cooperative financing
Accessible financing that helps cooperative groups scale and work more efficiently.
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Groups & cooperatives
Taak-Maal
Producer group financing
For agricultural producer groups in farming, livestock and fisheries.
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Save, invest and support your family
Savings built on Ayuuto and Hagbad, profit-sharing deposits, family support and free business advice.
- Tooko savings serviceTookoThe Somali Ayuuto / Hagbad tradition, built for growth.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
Taran fixed saving (Mudaraba)TaranA fixed-term deposit that shares in investment profits.Deposit funds for a fixed term and receive a portion of the profits earned from investing the pooled resources.Learn more
Taakulo programmeTaakuloYour support, increased by 25% and reinvested again and again.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.Learn more
Talo Maal free business consultationsTalo MaalFree advice from business experts.Personalised, free business consultations for start-ups and existing small businesses.Learn more
Not sure which product fits?
Tell us about your business and a loan officer will call you back.
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