Kimsmfi

KIMS (Kaah International Microfinance Services) is a Sharia-compliant microfinance institution that provides small-business financing, savings services, and business support for low-income individuals and micro and small enterprises in Somalia.

Key capabilities include:

• Sharia-compliant financing options for working capital and equipment, including Murabaha micro enterprise financing for traders, retailers, and home-based businesses, plus no-interest loans used for assets such as fishing boats and engines.
• Business training delivered via loan officers, with practical support such as bookkeeping, business planning, marketing, and market access.
• Financial literacy and consultancy provided through field staff to help clients manage repayments and improve business decisions.
• Sector-focused lending across areas highlighted in its programs and impact work, including fisheries, agriculture, trade, and off-grid solar financing pilots.

Available on Web (including online financing application pages).

It primarily serves women entrepreneurs, youth, rural clients, displaced persons, and micro and small business owners across Somalia, including Somaliland, Puntland, and the Southern and Central regions.

Founded in 2014, KIMS has established a growing operational footprint in Somalia and has collaborated with development and financial sector partners in advancing financial inclusion initiatives.