Faysal Ahmed Said is a livestock trader from Garowe who dreamed of expanding his business beyond the local market. Himilo Microfinance provided Faysal with a livestock financing facility, which enabled him to purchase larger herds and tap into regional markets.
Within months, his trading volume tripled. He now employs two assistants and has become a respected figure in the regional livestock trade.
"The financing from Himilo didn't just grow my business—it changed my family's entire future."
Mama Mahado is a small-scale farmer who had been struggling with low yield harvests for years. Through Himilo's agribusiness financing program, she received a micro-agricultural loan that she used to purchase improved seeds, basic irrigation equipment, and storage solutions.
The results were transformative — her harvest yields improved significantly, and she was able to sell surplus produce in the market. She can now sell to others and save for the future.
"For the first time, my farm produces more than my family needs."
Mama Murayad, a small bakery owner, struggled for years with limited equipment and inconsistent supplies. With support from Himilo Microfinance, she accessed an initial loan which she used to purchase bakery machines and secure essential inputs.
After successfully repaying her first loan, she secured a second financing to expand her operations, including opening a second shop. This growth not only increased her income but also created employment opportunities for family members. Today, Mama Murayad operates two bakery outlets with improved productivity and stable income.
"Both my family and I have benefited."
Muhuba Mohamed Hassan, a vegetable trader in Garowe, faced persistent financial constraints that limited her ability to grow her business. With support from Himilo Microfinance, Muhuba accessed her first business loan, enabling her to buy vegetables in larger volumes directly from farmers.
Building on this progress, Muhuba secured a second loan to expand her operations. She transitioned from retail trading into vegetable wholesaling, supplying produce to other vendors and strengthening her market presence. Now she can support her family, save money, and plan for the future with confidence.
"The second loan changed everything. I started supplying other traders, and my business began to grow beyond what I imagined."
Amina Osman, an entrepreneur from Garowe, started with a small retail shop but struggled to grow due to limited capital and lack of collateral. Her breakthrough came through Himilo Microfinance, which provided her with a first loan to expand her inventory and increase sales.
After successfully repaying the loan, Amina secured a second one, allowing her to source clothing from Mogadishu and Dubai. She transitioned into wholesale, supplying other traders and expanding her market reach. Today, Amina runs a thriving wholesale and retail business, improving her family's livelihood and inspiring others.
"The second loan changed everything. I moved from small retail to supplying other businesses."
Everyday, Khalif Abdulle Ibrahim opened his small shop near Garowe's Ex-Control checkpoint with determination but also with a clear sense that he wanted more. After years of working as an employee, he was driven by a simple goal: to become self-employed and build something of his own. While the location brought steady customer traffic, the business struggled to move beyond survival.
His turning point came when he accessed microfinance support from Himilo Microfinance. He invested the financing directly into his shop, focusing on fast-moving products that customers demanded most. Reflecting on the experience, Khalif describes the process as 'supportive and flexible,' allowing him to take a meaningful step forward without overwhelming pressure.
As his stock became consistent and cash flow improved, the business began to grow. With increased sales and better planning, Khalif expanded his shop and introduced a cafeteria alongside it. This diversification brought in new customers and created additional income streams. For the first time, he was able to hire employees—transforming his business from a one-person effort into a source of employment for others.
"Himilo Microfinance became a catalyst for my life. It changed everything."
Join thousands of Somalis who have transformed their businesses with Himilo financing.