SHARIA-COMPLIANT FINANCING
Marwo Kaabe
Financing for women starting or growing a business.
SHARIA-COMPLIANT FINANCING
FursadMaal
Sharia-compliant financing for vehicles and productive assets that help young entrepreneurs build a sustainable income.
SHARIA-COMPLIANT FINANCING
Agriculture Financing
Supporting farmers and agribusinesses with ethical financing for agricultural production and growth.
SHARIA-COMPLIANT FINANCING
SMEs Financing
Sharia-compliant financing to help small and medium enterprises expand, invest and grow.
Midnimo Microfinance at a glance
12,500+Total clients served
3,800+Active clients
$4.8M+Financing disbursed
350+VSLA & SHG groups
97%Loan recovery rate
Our services
Financing for every stage of your journey
Explore ethical financing products designed for women, youth, entrepreneurs, farmers, and growing businesses across Somalia.
Women-led business growth
Fursad Maal
Fursad Maal finances vehicles and equipment for young entrepreneurs and transport businesses.
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Assets that create opportunity
E-Fursad
E-Fursad is a Sharia-compliant electronic financing solution that enables individuals and businesses across Somalia to a…
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Digital access for everyday life
Solar Financing
Sharia-compliant financing for solar energy systems that help households and businesses access clean, reliable, and affo…
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Clean energy for homes and business
SMEs Financing
Sharia-compliant financing designed to support the growth, expansion, and sustainability of small and medium enterprises…
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Helping enterprises grow
Agriculture Financing
Sharia-compliant financing designed to support agricultural production, agribusiness growth, and food security across So…
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Growing stronger livelihoods
Meet Midnimo Microfinance
Finance built around people and possibility.
Since 2020, Midnimo Microfinance has supported access to Sharia-compliant finance for women, young people and growing businesses across Somalia. Get to know our services and the principles behind them.
Sharia-compliantAsset-backedClear terms
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Promotional Videos
About Midnimo Microfinance and Our Services
An overview video introducing Midnimo Microfinance, its Sharia-compliant financial services, and its work supporting women, youth,…
Our services, in one minute. Play inline · Sound is off until you choose.
Trust you can see
Licensed to serve.
Committed to your progress.
Midnimo Microfinance Institution Company holds a microfinance business license issued by the Central Bank of Somalia. View our certificate and the details behind our commitment to responsible financial services.
- Issued by
- Central Bank of Somalia
- License number
- MFL2025-004
- Effective date
- 10 November 2025
- Valid until
- 31 December 2027
View full certificate ↗Hear from our customers
Behind every business, a story worth telling.
Meet the people building their livelihoods with Midnimo Microfinance. Watch their own accounts of business, opportunity and the next step forward.
▶ Watch their story
Client Success Stories
Rahmo Osman: Growing Her Business with Midnimo Microfinance
Rahmo Osman talks about the additional financing she received and her experience with Midnimo Microfinance.
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Client Testimonials
A Retail Business Owner’s Story
A shop owner talks about his business and his experience with Midnimo Microfinance.
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Client Testimonials
A Business Owner Shares Her Experience
A business owner shares her experience from inside her shop.
▶ Watch their story
Client Success Stories
Stories of Business Growth
Customers talk about their shops and how their businesses have grown.
Discover E-Fursad
Technology and home assets, within reach.
Explore Sharia-compliant financing for technology and home assets through E-Fursad. Tell our team what you need and learn about the next steps.
Midnimo Microfinance Client App
A digital platform for clients to access Midnimo Microfinance services, financing requests, updates, and future digital financial services - including upcoming SACCO-related services.
Coming soon. The Midnimo Microfinance client app will be available soon.Hover to watch
E-Fursad
E-Fursad: Finance at Your Fingertips
Discover E-Fursad in this short Midnimo Microfinance service introduction. Daawo muuqaalka hordhaca adeegga E-Fursad.
E-Fursad in 56 seconds. Play inline · Turn sound on when you wish.
4,000+ trainedFinancial literacy
Financial literacy & capacity building
Build skills. Strengthen your business.
Beyond financing, we strengthen the people and groups we serve — building financial literacy, business skills, and stronger savings groups across Somalia.
Financial literacy & business trainingBudgeting, savings, bookkeeping, and BYB / WR methodologies.
VSLA / SHG strengtheningGroup governance, record-keeping, and internal lending systems.
Business advisoryMentorship, market linkages, and enterprise growth support.
From our community
News, meetings & milestones
Explore our latest activities, partnerships and stories.
Hover or focus to explore each story
5 photosEvents
Midnimo Microfinance Participates in Day Two of the EU–Somalia Business Forum 2026
Midnimo Microfinance participated in Day Two of the EU–Somalia Business Forum 2026, engaging with international participants and building professional connections around inclusive finance and business growth.
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5 photosEvents
Midnimo Microfinance Participates in Day One of the EU–Somalia Business Forum 2026
Midnimo Microfinance participated in the first day of the EU–Somalia Business Forum in Mogadishu on 5 October 2026, focusing on investment, trade and economic cooperation.
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3 photosMeetings
Midnimo Microfinance Joins Competition and Consumer Protection Workshop in Mogadishu
Midnimo Microfinance participated in a workshop on Somalia’s draft national competition and consumer protection policy and law on 12 September 2026.
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5 photosEvents
Midnimo Microfinance Participates in NAFIS 2026
Midnimo Microfinance ayaa ka qaybgalay 2nd National Agri-Food Investment Summit (NAFIS 2026) oo ka socda Muqdisho, iyadoo diiradda lagu saarayo maalgelinta beeraha, sugnaanta cuntada, waraabka, biyaha, iskaashiga iyo kobaca waara.
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Meetings
Midnimo Microfinance Joins RSM Roadmap Roundtable on Inclusive Finance
Midnimo Microfinance joined financial and development institutions in Mogadishu to discuss a locally driven, Sharia-compliant lending-risk sharing model for MSMEs.
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Events
Midnimo Microfinance Celebrates Bulsho Kaab Resilience Project Graduates
Midnimo Microfinance attended the SCEC-organised Bulsho Kaab Resilience Project graduation ceremony, supported by GIZ.
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5 photosEvents
Midnimo Microfinance Participates in AFRICONVERSE 2026 #3 on Digital Financial Inclusion
Midnimo Microfinance participated in AFRICONVERSE 2026 #3, jointly organized by JICA and UNDP, focusing on expanding economic participation through digital finance and advancing financial inclusion across Africa.
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Meetings
Midnimo Microfinance Joins Discussion on Somalia’s Manufacturing Investment Opportunities
Midnimo Microfinance staff attended the launch and discussion of a priority sectors investment report focused on manufacturing and production opportunities in Somalia.
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Partnerships
Midnimo Microfinance and Sahan Solar Services Sign Strategic Cooperation Agreement
Midnimo Microfinance and Sahan Solar Services have signed a Strategic Cooperation Agreement to expand affordable Sharia-compliant solar financing and improve access to clean energy across Somalia.
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Donor Engagement
Delivering donor revolving loan funds with full compliance
Midnimo Microfinance manages donor-funded revolving loan funds with screening, disbursement, monitoring, and reporting.
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Client Stories
Marwo Kaabe women financing expands micro-enterprises
Women entrepreneurs share how Sharia-compliant Marwo Kaabe financing helped them grow their businesses.
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Capacity Building
Midnimo Microfinance strengthens VSLA groups in South West State
Our team delivered VSLA strengthening and financial literacy sessions to savings groups across South West State.
Read story →
Events & activities
Events & activities
Workshops
GIZ EPIS SME Finance-Readiness Workshop in Nairobi
Midnimo Microfinance participated in the GIZ EPIS Financial Institutions Engagement and SME Finance-Readiness Workshop held in Nairobi, Kenya, focusing on improving SME access to finance and strengthening financial inclusion.
26 Aug 2026 · Nairobi, Kenya
Workshops
Financial Literacy Workshop — Baidoa
A community workshop on budgeting, savings, and responsible borrowing for VSLA members.
13 Jul 2026 · Baidoa, South West StateTrusted by partners & donors
Working with partners across Somalia
Our partners, funders and institutional stakeholders.
DRC Danish Refugee Council
VSLA & revolving fund programs; DANIDA, BMZ, SDC-funded initiatives
SCEC Somali Center for Education & Consultancy
Financial literacy, community training, MFI client linkage
SOMREP Somalia Resilience Program
Community resilience & disaster risk reduction
DANIDA Kingdom of Denmark
Donor funding for VSLA and revolving funds
BMZ Federal Ministry, Germany
Donor funding for revolving funds & farmer linkages
SDC Swiss Agency for Development & Cooperation
Donor funding for VSLA programs
CBS Central Bank of Somalia
Regulatory stakeholder
SOMMA Somali Microfinance Association
Sector body & ecosystem
SDB Somali Development Bank
Development finance institution stakeholder
MoAI Federal Ministry of Agriculture and Irrigation
Agriculture sector stakeholder
MoFBE Federal Ministry of Fisheries and Blue Economy
Fisheries sector stakeholder
MoLFR Federal Ministry of Livestock, Forestry and Range
Livestock sector stakeholder
MoCI Federal Ministry of Commerce and Industry
Trade & industry stakeholder
MoLSA Federal Ministry of Labour and Social Affairs
Labour & social affairs stakeholder
MoPIED Federal Ministry of Planning, Investment and Economic Development
Planning & investment stakeholder
MoF Federal Ministry of Finance
Public finance stakeholder
MoEWR Federal Ministry of Energy and Water Resources
Energy & water stakeholder
MoWHRD Federal Ministry of Women and Human Rights Development
Women & human rights stakeholder
SWS-Commerce South West State Ministry of Commerce
State-level trade stakeholder
SWS-Agri South West State Ministry of Agriculture
State-level agriculture stakeholder
A clear next step
Start your journey with confidence.
- 01
Explore your options
Browse our financing products and choose the service that matches your needs.
- 02
Tell us about your plans
Complete the online application with your name, phone number, product interest and a short description.
- 03
Speak with our team
Our team reviews your request and contacts you to explain the next steps.
Before you apply
Your questions, answered.
How do I apply for financing?
Use our online application form. It asks for your contact details, product interest and information about what you need. You can also speak to our team before applying.
Which product is right for me?
Our services page explains the different products. If you are unsure, contact Midnimo Microfinance to discuss your needs and the relevant requirements.
What happens after I send my application?
Our team reviews your request and gets in touch to guide you through the next steps. Keep the contact details you submit accurate so we can reach you.
Can I ask a question before applying?
Yes. Call 810199, contact us on WhatsApp, or use our contact page to speak with the team.
Prefer to speak in person?
Find our office details and contact options.
Visit or contact Midnimo Microfinance →
Find our office details and contact options.
Visit or contact Midnimo Microfinance →
Our locations
Find a Midnimo Microfinance office
Select a location to see its details. Call ahead for branch directions and opening hours.
Regional markers show towns, not exact office entrances. The head-office pin uses our saved office location.
Head officeBranchAgent location
Mogadishu
Orfane Tower, Luuq Canjeerada, Taleex, Hodan District, Mogadishu, Somalia
Get directions ↗Jawhar
Hirshabeele
Call our teamBaidoa
South West State
Call our teamHudur
South West State
Call our teamElbarde
Bakool Region
Call our teamKismayo
Jubaland State
Call our teamOur agent network
Contact our team for the local agent’s address and available services.
Call our team →Ready to grow with ethical finance?
Whether you are seeking financing, training, or a partnership, our team is ready to help you take the next step.