






Over 3 Years of Experience in Building acess to Finance
Providing Shariah compliant financial and product solutions to people who are mostly excluded from mainstream banking system.
Our ultimate aim is to have seamless and convenient financial solutions that are more accessible, accurate and efficient for Small and Medium Enterprises (SMEs) that continuously seek finance to achieve their organizational goals.
Our Expertise
We have leveraged greatly on technology, which has enabled us to gradually expand our customer base and deepen financial inclusion while delivering value both our customers as well as stakeholders.
Ayuuto is an old Somali financial savings concept. It is an interest-free rotating savings scheme based on mutual trust....
Asal Microfinance, as the mudarib, receives funds and promises the Customer an expected rate of return....
Murabaha is the mark-up disclosed to the purchaser over the purchase price of a certain specified asset, excluding monetary assets such as cash..
An agreement between two or more parties to combine their assets, labour or liabilities for the purpose of making profits...
Hiring particular services of a person or usufruct of an asset for a consideration. We have two types pf Ijarah.
We don’t just lend money — we invest in people, ideas, and communities.

We offer financial support to women in business both individuals and organized groups. We also consider the informal groups through such products as Ayuuto where we offer financing to them for progress.

We recognize that this is a key group of people for the development of our nation. It’s through these that we offer financing to youths who want to start their businesses, further their education, and expand their businesses and other financial assistance they mighty require.

This is a very key sector for us. Our value support for agriculture runs through the whole value chain, may it be farming, livestock, fishing and processing we will offer support through the whole value chain.

Asal Microfinance recognizes that this sector offers employment opportunity to thousands of people. Its for these reason that these products of financing Bajaj and motorcycle was created to continue with creation of employment.

This includes LPO financing, E- commerce, R e ta i l and General shop financing.

This includes cosmetics & clothing.