Dear Partners, Clients and Community Members,

It is with great pride and purpose that I welcome you to Najah Microfinance.

Najah was born out of a deep belief that financial inclusion is key to unlocking the full potential of our people especially those who have long been excluded from traditional banking systems. In Somalia, where entrepreneurship thrives despite adversity, access to fair and ethical financial services can be a powerful tool for transformation.

Our mission at Najah Microfinance is simple yet profound, to provide accessible, Sharia-compliant microfinance solutions that support small businesses, uplift families and build resilient

communities. We are here to serve the hardworking market vendors, the determined youth, the innovative startups and the women leading change in their households and communities.

Since our inception, we have been guided by the values of integrity, empowerment, inclusion, and accountability. These principles are not just words they are the foundation of every decision we make and every service we provide.

Looking ahead, our commitment remains strong. We aim to expand our reach, deepen our impact and continue partnering with those who share our vision for a more inclusive and prosperous Somalia.

Thank you for your trust and support. Together, we will continue building a future where opportunity is within reach for all.

Warm regards,

Ismail Hassan Mohamed

Founder & CEO

PA, PGDM&E, BBA

Najah Microfinance