Waaberi Mall, Maka almukarama Street, Mogadishu, Somalia.
Empowering Communities Across Somalia
Who We Are
A Trusted Partner in
A Trusted Partner in
Inclusive Finance
Hogaan Microfinance is a financial institution licensed by the Central Bank of Somalia, providing Sharia-compliant financial services to micro, small, and medium enterprises (MSMEs).
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Licensed by the Central Bank of Somalia
Inclusive finance creates opportunity, builds resilience and drives sustainable economic growth.
Impact
Our Impact to Date
Sharia-compliant financing delivered to businesses, farmers, herders and households across Somalia.
3,000+
MSMEs empowered
1,300+
Agriculture clients financed
1,000+
Livestock clients financed
550+
Fisheries clients financed
350+
Renewable energy clients
50+
Cooperatives financed
220+
VSLA groups supported
500+
IDP & low-income households
85%
of all clients we serve are women and youth
Our products & services
Financing Solutions Designed for Impact
Twelve Sharia-compliant products across four sectors of the Somali economy.
Enterprise & Inclusive Entrepreneurship
Capital for businesses at every stage, with dedicated windows for youth and women.
Kobac
MSME Financing
Working capital and business expansion financing for micro, small and medium enterprises.
Ifiye
Youth & Startup Financing
Start-up and growth financing for young entrepreneurs building sustainable businesses.
Siraad
Women's Financing
Tailored financing for women-owned businesses and income-generating activities.
Agriculture, Livestock & Fisheries
Financing that follows the seasons and value chains Somali producers depend on.
Dalag
Agriculture Financing
Seeds, fertilizers, irrigation, farm inputs and equipment to boost crop production.
Dhagaal
Livestock Financing
Animal purchase, fattening, dairy production and related livestock value-chain activities.
BadQani
Fisheries Financing
Fishing equipment, boats, fish processing, cold storage and other fisheries businesses.
Asset, Green Energy & Education
Longer-term financing for the assets, power and skills that carry households forward.
Naajax
Asset Financing
Sharia-compliant acquisition of productive assets, machinery, equipment and vehicles.
Iftiin
Renewable Energy Financing
Solar systems, clean energy technologies and environmentally sustainable business solutions.
Tacliin
Educational Financing
Financing for tuition fees, school expenses and educational development.
Savings, Investment & Social Finance
Ways to save, invest together, and reach households that profit-based finance cannot serve.
KeydsiPlus
Savings & VSLA Services
Flexible savings solutions for individuals, groups and institutions.
Guulwadaag
Investment Partnership
Mudaraba profit-sharing partnerships between investors and entrepreneurs.
Qardh Hassan
Benevolent Financing
Profit-free financing for vulnerable individuals and essential humanitarian needs.
Our Products & Programs
Financing Solutions Designed for Impact
Kobac – Business Growth Financing
Sharia-compliant financing supporting MSMEs to expand operations and achieve financial sustainability.
Dalag – Agricultural Financing
Financing for farmers and agribusinesses to enhance productivity and strengthen agricultural value chains.
Dhaqasho – Livestock Financing
Capital solutions for pastoralists and livestock traders to grow and sustain livestock-based businesses.
BadQani – Fisheries Financing
Supporting fishermen and fisheries enterprises with working capital and equipment financing.
Iftiin – Renewable Energy Financing
Financing solar systems and clean energy solutions for sustainable community development.
Ifiye – Youth Entrepreneurship Program
Financing and capacity-building support for innovative youth-led businesses.
Siraad – Women’s Financing Program
Dedicated financing for women-owned enterprises using collaborative group models.
Naajax – Asset Financing
Sharia-compliant financing supporting asset and housing acquisition through structured payments.
Our Work Gallery
Our Reports
Stories of Growth, Resilience,
Stories of Growth, Resilience,
and Opportunity
Where we work
Our office locations
Head office in Mogadishu, with regional presence across four Federal Member States.
Head office
Regional presence
Head office
Mogadishu
Waabari Mall, Maka Al-Mukarama Street, Mogadishu, Somalia
Baidoa
South West State
Kismayo
Jubaland State
Jowhar
Hirshabelle State
Dhusamareb
Galmudug State
Partnerships
Our Key Partners & Areas of Collaboration
We work with institutions across the public, development and private sectors to widen access to Sharia-compliant finance in Somalia.
Government Institutions
Public sector
Development Finance Institutions
Capital & funding
NGOs & Humanitarian Agencies
Livelihoods & resilience
Cooperative Networks
Value chains
International Development Partners
Programmes
Financial Institutions & Islamic Banks
Liquidity & payments
Private Sector & MSME Associations
Enterprise growth
Community-Based Organisations & VSLAs
Grassroots reach
