Founded in 2012, MicroDahab MFI was built to close the gap between financial ambition and access to Sharia-compliant financing. We empower individuals, entrepreneurs and communities through finance that is Sharia-compliant, transparent and inclusive.
Access to finance should never be a barrier
Every business owner, farmer, woman entrepreneur and independent professional deserves a trusted financial partner: one who understands their ambitions, respects their values and offers practical solutions to help them succeed.
For many entrepreneurs, the challenge is not a lack of ideas or hard work. It is finding financing that is fair, explained in plain language, and consistent with their faith. MicroDahab was created to answer exactly that need.
That belief guides everything we do. We work to make financing more accessible, easier to understand and more responsive to the needs of the communities we serve.
Finance built on Islamic principles
Our approach rests on four ideas that shape every product we design and every agreement we sign:
• Fairness: Terms that treat both sides with respect, from the first conversation to the final installment.
• Transparency: Costs and conditions explained clearly, before you commit.
• Shared responsibility: A partnership in which we grow when our customers grow.
• Sharia practice: Business conduct anchored in Sharia guidelines, reviewed by our Risk & Sharia team.
Murabaha, in plain terms
In a Murabaha arrangement, the financier purchases the goods or asset a customer needs and sells it to them at a disclosed, agreed profit margin, which is repaid in installments. Because the markup is agreed and disclosed up front, customers can see exactly what they will pay before they enter into an agreement.
Know the full cost before you sign
Clear information up front. No hidden charges. Before you commit, you will know:
• The agreed markup, stated before you commit.
• The total financing cost, shown in full.
• Your repayment terms, with clear installments that fit your business.
How financing works, step by step
We designed the process to be simple, quick and respectful of your time.
1. Submit your application. Complete a simple form online or visit any branch.
2. Verification and review. Our compliance team swiftly reviews your application.
3. Approval and disbursement. Funds are transferred to your account, on average within 24 to 48 hours after verification and approval.
4. Flexible scheduling. Repay on transparent terms that suit your business.
What to have ready
• Valid ID
• Business proof
• Address proof
• Bank statement
Who can apply
• Aged 18 or above
• A valid business or income source
• A Somali resident or citizen
• No active defaults
Having digital copies of your documents ready can support faster online processing. You can apply online, visit a branch, or call our financing advisors, whichever is most convenient for you.
Growing every sector that builds a community
Since commencing active disbursements in 2014, MicroDahab has supported thousands of customers across a wide range of economic activities. By backing these sectors, we help small businesses grow, local entrepreneurship flourish and sustainable opportunity take root.
• Retail businesses: Where our story began. Our first financing went to retail shops in Hargeisa.
• Agriculture and farming: Financing that helps farmers modernize their work and improve their livelihoods.
• Livestock: Support for the livestock keepers and traders who feed local markets.
• Fishery: Financing for fishermen and coastal traders, part of our sector expansion in 2018.
• Solar and renewable energy: Solutions that make clean and reliable energy more accessible.
• Women and youth: Helping women and young entrepreneurs turn ideas into sustainable businesses.
We also finance: services, education, health, electronics, construction materials and consumer needs.
Our journey
What began as a single idea has grown, step by step, into a financing partner for communities across the country.
• 2012, Inception: MicroDahab was founded to introduce accessible microfinance based strictly on Islamic values.
• 2014, Active launch: We began loan disbursement and Sharia coaching, starting with retail shops in Hargeisa.
• 2018, Sector expansion: We launched dedicated funding tracks for farming, fisheries and female-led cooperatives, with targeted training.
• 2026, Today: We serve more than 15,000 active clients and have issued over $150M in Sharia-compliant financing.
More than financing
We do not just disburse funds. We provide comprehensive business training, Sharia accounting coaching and peer-to-peer leader circles, backed by dedicated on-the-ground mentorship. Over 40% of our portfolios actively support female-led trade cooperatives and young agricultural pioneers.
Our impact in numbers:
• 15,000+ active clients
• $150M+ financing issued
• 98% business success rate
• 4,200+ women trained
• 120+ cooperatives funded
• 60% rural access rate
Where we work
We serve entrepreneurs, farmers and families across Somaliland, Puntland and South Central Somalia, with teams close to the communities they support and our home base at the Dahabshiil Business Center in Hargeisa.
Behind every request is a person
Behind every financing request is a person with a goal, a business with potential, or a family working toward a more secure future. That is why we place our customers at the center of everything we do.
Through personalized service and a dedicated professional team, we build lasting relationships founded on trust, respect and mutual understanding. These are the standards we hold ourselves to:
• Compliant trust: Principles anchored in strict Sharia guidelines, for Sharia-compliant, fair and responsible finance.
• Empowered innovation: Digital finance products designed specifically for Somali operating environments.
• Community focus: Success measured by local impact: jobs created, agricultural systems modernized and markets strengthened.
• Elite excellence: Professional standards, transparent terms and dedicated on-the-ground mentorship.
Our vision extends beyond finance
We aim to be a reliable partner in economic progress: helping entrepreneurs strengthen their businesses, farmers improve their livelihoods, and families reach opportunities that support long-term prosperity.
When individuals and businesses grow, entire communities benefit.
Our purpose is simple: to empower people, support sustainable growth, and make Sharia-compliant finance accessible to the communities that need it most.
Questions we hear often
What documents do I need to apply?
Keep these ready: a valid ID, business proof, address proof and a bank statement. Having digital copies ready can support faster online processing.
How long does approval take?
Our current public guidance highlights an average disbursement time of 24 to 48 hours following verification and approval.
How can I apply?
You can apply online, visit a branch, or call our financing advisors directly. Choose the method that is most convenient for you.
Who is eligible?
Applicants should be 18 years or older, have a valid business or income source, be a Somali resident or citizen, and have no active defaults.
Ready to start your financing journey?
Apply online, visit a branch, or call our financing advisors. We look forward to growing with you.
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