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FAQs
Common questions.
Is Gobanimo Microfinance financing really interest-free?
Yes. We use Sharia-compliant structures — Mudaraba, Murabaha, and Ijara. There is no riba (interest) or penalty interest; terms are agreed transparently upfront and reviewed by our Sharia board.
How long does a decision take?
Most applications get a decision within hours. AI agents prepare the checks, but a staff member always makes the final approval before money moves.
How do investor profits work?
Mudaraba is profit-and-loss sharing. You receive 90% of net profit; Gobanimo Microfinance earns 10% as your fund manager. Returns are not guaranteed and capital is at risk.
Which cities do you serve?
Our pilot serves Hargeisa, Bosaso, and Mogadishu — with more locations to come.
How is my data protected?
Personal data is kept out of prompts, logs, and analytics, and access is role-based. We follow KYC, AML/CFT, and data-privacy controls throughout.
Guides
Step-by-step help.
Training
Learn with Gobanimo Microfinance.
Financial literacy basics
Budgeting, cash flow, and managing a healthy business.
Understanding Islamic finance
What Mudaraba, Murabaha, and Ijara mean for you.
Growing your business
Using working capital well and planning for the season ahead.
Staying safe online
Protecting your account, PIN, and personal information.
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