Mudaraba
Best for: working capital & trade
Profit-sharing partnership. We provide the capital, you run the business, and we share the agreed upside — no fixed interest.
Amount$100 – $10,000
Tenor1 – 12 months
For Borrowers
Capital for every season of your business.
Sharia-compliant financing for small businesses and families across the region — fast, transparent, and built on partnership, never interest.
Our Sharia-Compliant Products
Choose the structure that fits.
Every product is structured to keep riba, gharar, and maysir out of your financing, and will be reviewed by our Sharia supervisory board before we lend.
Murabaha
Best for: inventory & goods
Cost-plus trade finance. We buy the asset you need through an approved vendor and sell it to you at a transparent, agreed markup.
Amount$200 – $10,000
Tenor1 – 12 months
Ijara
Best for: equipment & tools
Asset leasing. Use productive equipment and tools with clear lease terms, with the option to own at the end of the term.
Amount$300 – $10,000
Tenor3 – 18 months
Plan Your Financing
Estimate your facility.
Pick a product, amount, and term for an indicative, transparent estimate — agreed upfront, with no hidden interest.
Product
Amount$1,500
Min $100 · Max $10,000
Term6 months
Min 1 · Max 12 months
Est. monthly contribution
$230 – $270
Mudaraba · profit-shared, not fixed
Amount$1,500
Estimated profit share$150 – $270
Estimated total$1,650 – $1,770
Estimates are indicative and agreed transparently before financing. Mudaraba shares real profit/loss; Murabaha and Ijara use a fixed, pre-agreed markup — never interest.
Getting Started
Three ways to apply.
Start wherever you are. Every channel lands in the same human-reviewed queue.
Eligibility
What you'll need to begin.
Who can apply
- Small business owners and traders in Hargeisa, Bosaso, or Mogadishu
- Families seeking ethical financing for productive needs
- A business or income activity at least 3 months old
- A valid mobile money account for disbursement
What you'll need
- A government ID for KYC verification
- Basic details about your business and its cash flow
- Purpose of the financing and amount requested
- Consent to our terms and privacy policy
How It Works
From request to growth.
1
ApplySubmit your request via app, web, or WhatsApp
2
AssessAI-enabled review with human oversight
3
ApproveSharia & credit checks, then human approval
4
DisburseFunds sent to your mobile money account
Track your facility, every step.
Follow your application, disbursement, and repayments in the Gobanimo Microfinance app — or get updates on WhatsApp.
Questions
Common questions.
Is this really interest-free?
Yes. Gobanimo Microfinance uses Sharia-compliant structures — Mudaraba (profit-sharing), Murabaha (cost-plus sale), and Ijara (leasing). There is no riba (interest), no penalty interest, and terms are agreed transparently upfront. Our products will be reviewed by an independent Sharia supervisory board before we begin lending.
How long does approval take?
Most applications receive a decision within hours. AI agents prepare KYC, credit, and Sharia checks, but a staff member always makes the final approval before any money moves.
What can I use the financing for?
Working capital, inventory, equipment, and other productive business needs. The right product depends on your purpose — our team will help you choose.
Which cities do you serve?
Our pilot serves Hargeisa, Bosaso, and Mogadishu — with more locations to come as we grow.
Ready to grow with Gobanimo Microfinance?
Apply in minutes. Walk with us through every season.