---
title: "NEEM: Core Banking in Senegal & Niger"
description: "Run Sharia-compliant core banking in Senegal & Niger: Ijara, Mourabaha, Moudaraba and Moucharaka, Wakala accounts, real-time accounting + APIs and Kafka."
canonical_url: "https://liners.com/neem"
markdown_url: "https://liners.com/neem.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/sensoft-2/screenshot.webp?v=1787917795694"
published_at: "2026-08-28T21:54:48.797Z"
updated_at: "2026-08-28T21:54:49.721Z"
---

# NEEM: Core Banking in Senegal & Niger

Run Sharia-compliant core banking in Senegal & Niger: Ijara, Mourabaha, Moudaraba and Moucharaka, Wakala accounts, real-time accounting + APIs and Kafka.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [NEEM](/neem)

## Summary

Core banking built for Sharia-compliant finance operations

A full web core banking and information management system for banks and microfinance institutions managing Sharia-compliant financing, deposits, and integrations.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.sensoft.sn/neem |
| Tagline | Core banking built for Sharia-compliant finance operations |
| Primary country | Senegal |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

NEEM is a **full web core banking and information management system (SIG)** for **banks, microfinance institutions, and Islamic finance providers** that need Sharia-compliant products and centralized operations.

Key capabilities include:
- **Islamic financing products (non-participative):** supports **Ijara**, **Mourabaha**, **Moussawama** (including membership and exit tracking, client segmentation, **KYC**, solidarity groups, and third-party monitoring), **Qard Hasan**, and **Salam** (gold and silver excluded).
- **Participative financing:** supports **Moudaraba** and **Moucharaka** structures with shared risk and profit logic.
- **Deposits and investment accounts:** includes **Wakala** investment account structures where the institution acts as an execution intermediary under a remuneration condition.
- **Core banking operations and openness:** provides **centralized real-time accounting**, manages operations from multiple flows in **transactional or batch** mode, and exposes native integration via an integrated **API Manager** and **Kafka bus**.

Available on **Web**, with integration support via **APIs** (API Manager) and Kafka-based connectivity.

Built for **B2B financial institutions**, including Islamic microfinance institutions and other regulated finance operators that require Sharia-compliant product catalogs and operational traceability.

Notable in the West African context, it is described as **compliant with BCEAO regulations**, audited by international firms, and positioned for deployments in the sub-region and beyond the UEMOA zone, with references including **Salam FI** and other Islamic finance institutions shown by Sensoft.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [BaaS](/tags/baas): Product feature or technology
- [Enterprise](/tags/enterprise): Product feature or technology
- [Niger](/countries/niger): Market
- [Senegal](/countries/senegal): Market

## Related pages

- [Alternatives](/neem/alternatives)
- [Reviews](/neem/reviews)
- [Transparency](/neem/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/neem)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)