MIDNIMO MICROFINANCE

Branch operations — serving women clients across Somalia

Sharia-compliant financial solutions for Somali communities, entrepreneurs, women, youth, farmers, and SMEs.

12500+ Active clients served
$4.8M+ Financing disbursed
350+ VSLA & SHG groups
MIDNIMO MICROFINANCE

Financial literacy & capacity building in the community

Sharia-compliant financial solutions for Somali communities, entrepreneurs, women, youth, farmers, and SMEs.

12500+ Active clients served
$4.8M+ Financing disbursed
350+ VSLA & SHG groups
Built for trust & accountability
Sharia Advisory Board 68% women clients Donor-compliant delivery Monitored & reported

Our services

Sharia-compliant financing solutions for individuals and businesses

Explore ethical financing products designed for women, youth, entrepreneurs, farmers, and growing businesses across Somalia.

Marwo Kaabe

Marwo Kaabe is a Sharia-compliant financing solution designed to empower Somali women entrepreneurs through accessible, ethical, and business-focused financial services.

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Marwo Kaabe

Fursad Maal

Fursad Maal is a Sharia-compliant financing solution designed to empower Somali youth and transport service providers by providing ethical financing for vehicles, business expansion, and sustainable income generation.

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Fursad Maal

E-Fursad

E-Fursad is a Sharia-compliant electronic financing solution that enables individuals and businesses across Somalia to access smartphones, laptops, tablets, and other essential digital devices through affordable and flexible payment plans.

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E-Fursad

Solar Financing

Sharia-compliant financing for solar energy systems that help households and businesses access clean, reliable, and affordable power.

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Solar Financing

SMEs Financing

Sharia-compliant financing designed to support the growth, expansion, and sustainability of small and medium enterprises across Somalia.

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SMEs Financing

Agriculture Financing

Sharia-compliant financing designed to support agricultural production, agribusiness growth, and food security across Somalia.

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Agriculture Financing
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Sharia-compliant financing consultation at Midnimo Microfinance
Riba-freeEthical, asset-backed

Islamic finance

Finance that is ethical by design, not by exception

Every product is structured on Islamic finance principles — real assets, shared risk, full transparency, and no interest-based lending. Finance should build dignity, not debt traps.

Asset-backed financingFunds are tied to real goods and productive assets, not speculation.
Risk-sharing & fairnessPartnership-based structures align our success with our clients'.
TransparencyClear terms and a fixed, agreed mark-up — no hidden interest.
Understand our Islamic products

Our reach

Measurable impact, transparently reported

Consistent institutional results across our regional hubs in Somalia.

0+
Active clients served
$0M+
Financing disbursed
0+
VSLA & SHG groups
0%
Loan recovery rate

Financing disbursed by sector

Total: USD 4.8M+ across financing areas

SME & Micro-Business
29%
Women — Marwo Kaabe
21%
Youth — FursadMaal
14%
Agriculture
13%
VSLA / SHG lending
8%
Livestock
5%

Portfolio quality

Strong credit discipline & growth

97% loan recovery rate
0.8% write-off ratio
21% YoY portfolio growth
68% women · 72% youth
See full impact dashboard
Financial literacy and capacity building training session
4,000+ trainedFinancial literacy

Financial literacy & capacity building

Finance works better with skills behind it

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.
Request training support

Trusted by partners & donors

A credible implementing partner on the ground

We deliver donor-funded programs and revolving loan funds to international development standards.

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Client stories & videos

See our impact in the community

Photos and videos from our branches, clients, trainings, and field activities.

About Midnimo Microfinance and Our Services
Promotional Videos

About Midnimo Microfinance and Our Services

Women entrepreneurs at our branch
Client Success Stories

Women entrepreneurs at our branch

Community training session
Training Videos

Community training session

Client consultation
Field Activities

Client consultation

View media gallery

Client stories

Finance that changes what's possible

With Marwo Kaabe financing I expanded my shop and now employ two people from my neighbourhood.

Amina H.
Amina H.Marwo Kaabe, Mogadishu

FursadMaal helped me finance the equipment for my work. I now earn a steady income for my family.

Yusuf A.
Yusuf A.FursadMaal, Baidoa

The financing was clear, fair, and free of interest. It helped me grow my livestock business.

Fadumo M.
Fadumo M.Livestock Finance, Hudur

What's coming up

Events & activities

All events

Mobile app

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.

Midnimo Microfinance Client App

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.