Our Sector


Livestock is the most important sector and contributes the most to the nations gross exports and economic activity.


  • Off-Season/fattening
  • Aluminum Milk Cans
  • Financing re-sellers (Saylad)

Agriculture (Crops)

Agriculture i.e. farming crops is another productive sector that MicroDahab focuses on


  • Investing in Cooperatives
  • Buy greenhouses for farmers
  • Put lights for the farmers
  • Buy seeds for the farmers E.T.C


The challenges of working in this sector have been numerous, however,


  • Financing (fuel, ice, nets & food) for boat owners
  • Financing (fish) for retailers
  • Lease a Boat Program (planned – 2019)

Women and Youth Entrepreneurship 

  • Women in the Somali Corridors are still hugely unbanked or more under-banked than men. Women dominate the Micro and Small Enterprises (MSE) in Somaliland/Somalia and play an important role in the economy.
  • MicroDahab has enabled Somali women to develop/strengthen income-generating activities. They have lower defaults rates compared to their male counterparts.
  • The youth are the most energetic and innovative people. Who comes up with ideas that are going to be the change of the nation and they are among one of the ways to eradicate poverty for their creativity is amazing.
  • The youth that has been helped so far have shown tremendous growth in their lives and have made the community a better place by increasing their economy.
  • The youth always pays back the money the loans on time.

Renewable Energy

Renewable energy is a cross-cutting investment sector for MicroDahab as products in this category are financed through our sector-specific portfolios in Agribusiness, livestock etc.;


  • Solar-powered water pumps (Agriculture portfolio)
  • Solar-powered fridge/freezers (Milk / Fisheries portfolio)
  • Village lighting
    (Urban poor portfolio)


Our Parters

MicroDahab MFI

MicroDahab is a microfinance institution (MFI) that operates all over the Somali territories. It was founded in 2014, to create employment opportunities for the youth, women, productive sector and small medium micro enterprises (SMMEs).

MicroDahab is Dahabshiil Group’s way of giving back to the communities; taking them from vulnerability to sustainability, to growth.
We do not finance our clients with money however we provide them with asset-based financing.


MicroDahab empowers women by increasing their access to microfinance services. Since 2014, over 9 thousand low-income women have improved their lives with the help of MicroDahab financial services.

Our formula to empower these women is simple: we give a small loan to a hardworking woman to start or expand her small business. She uses the profits she gets to fulfil one of her modest dreams.  As her business succeeds and she pays the loan back to MicroDahab, those funds go back to work to making another woman’s dream come true. By supporting women’s economic participation, MicroDahab helps to empower women, thus promoting gender-equity and improving household well-being.

We do not require any collateral from our clients and Self Help Groups don’t need to provide a third-party guarantor.


MicroDahab has enabled the youth and women to develop or strengthen income-generating activities and has increased their monetary income, control over their income and bargaining power within the household. They are our main target group.

Currently, the youth unemployment rate in the Somali region is around 70%. MicroDahab addresses the crisis of youth unemployment through the youth themselves- by boosting youth-led businesses creation and enabling self-employment. We enable the Somali youth to engage in self-employment projects that generate income, thus allowing them to increase the standard of living for themselves and their families.