KIMS Microfinance Information

KIMS Microfinance is a leading licensed Sharia-compliant microfinance institution, established in 2014 and headquartered in Hargeisa. Since its founding, KIMS has expanded access to ethical, inclusive, and sustainable financial services, empowering entrepreneurs and small businesses across its areas of operation. Over the past decade, KIMS has disbursed more than US$51 million through over 50,600 SME loans. With nine branches located in Hargeisa, Bossaso, Mogadishu, Kismayo, and other key commercial centers, KIMS continues to broaden financial inclusion for underserved communities. KIMS offers a comprehensive range of Sharia-compliant financial solutions, including microloans, group lending, solar home system financing, and tailored SME financing. Beyond financing, the institution equips entrepreneurs with financial literacy, business development training, and ongoing advisory support. Guided by a commitment to transparency, sustainability, and social impact, KIMS has helped strengthen local enterprises, create employment opportunities, and expand access to formal financial services for first-time borrowers.