About Isnaad
Turning personal trust into systemic trust.
Isnaad is a Somali development finance and advisory firm, founded in Mogadishu in 2026, licensed for Development Finance, and built to make every shilling accountable.
- Licensed by the Ministry of Commerce & Industry, Somalia
- Development Finance
- Licensed by the Ministry of Commerce & Industry, Somalia
- Incorporated in Somalia
- 2026
- Incorporated in Somalia
- Head office, on the Gulf to East Africa corridor
- Mogadishu
- Head office, on the Gulf to East Africa corridor
- Six capabilities across six development sectors
- Six by six
- Six capabilities across six development sectors
Mission
To mobilise finance and expertise for Somalia’s development, accountably, and to the standard the world’s institutions require.
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01
Finance and expertise, together
Capital structured for Somalia, and the technical assistance that turns a programme into a result.
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02
Accountable by design
Programme funds held in Isnaad’s own account and disbursed on a digital rail that records every transaction.
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03
Ethical, interest-free
Instruments that connect Gulf capital to Somali development on an ethical, interest-free basis.
Why Isnaad exists
A local partner that can move capital and capability, and account for every step.
Somalia's recovery depends on capital and capability reaching the institutions that can use them, between donors and communities, investors and enterprises, government and the people it serves. What has been missing is a local partner who can move both, and account for every step.
Isnaad exists to be that partner.
Isnaad Enterprises Limited is a Somali-owned development finance and advisory firm, licensed for Development Finance by the Ministry of Commerce & Industry. We structure and deploy capital, manage donor funds, and provide the technical assistance that turns programmes into results, with ethical, interest-free instruments that connect Gulf capital to Somali development.
Isnaad is structured to hold programme funds in its own account and to disburse them through Zeekash, a digital rail that records every transaction, so that every disbursement is traceable and every programme is auditable by design. That is what a chain of trust means in development finance.
Our founder brings more than seven years across regulated financial and technology services in Kenya, Uganda, and Djibouti, insurance, microfinance, and payments, now brought home to build Somalia's development finance capability.
إسناد
The name
Isnaad is the chain of transmission by which a report is authenticated: each link known, each link accountable, the whole chain trusted because every part of it can be verified. It is one of the oldest systems of verified trust in our civilisation.
Isnaad applies that principle to development: finance and expertise delivered with accountable ownership, and every shilling traceable to a verifiable result.
What we do
Six capabilities, one standard.
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Development Finance
Blended, SME and project finance, structured and deployed for Somalia.
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Fund & Grant Management
Managing donor and partner funds end to end, disbursement, fiduciary oversight, and reporting.
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Advisory & Technical Assistance
Programme design and delivery, institutional strengthening, and public financial management.
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Monitoring, Evaluation & Learning
Evidence that programmes work, baselines, verification, evaluation, and learning.
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Digital Delivery & Payments
Traceable disbursement and financial inclusion, powered by Zeekash, so every payment is accountable.
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Research & Assessments
Landscape assessments, feasibility, and due diligence to de-risk decisions.
The journey
The record so far.
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2026
Isnaad Enterprises Limited is incorporated in Mogadishu, Somalia.
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2026
Licensed for Development Finance by the Ministry of Commerce & Industry.
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September 2026
Advisory, Training & Development Partnership MOU executed with Calibercode, the firm’s East African advisory partner.
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September 2026
Registration opens for Where Your Cash Is, the first SME session, delivered online with Calibercode on 14 October.
Our values
Values, with roots.
- أمانة
Amanah
We are custodians first: of donor funds, client capital, and public trust.
- إسناد
Isnaad
Every claim verifiable. Every decision accountable to a named person.
- إتقان
Itqan
Excellence of craft. Programmes are delivered properly, or not at all.
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Halal growth
Ethical, interest-free by design, not by disclaimer.
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Somali-built
Local ownership, local jobs, local data residency.
Licence and standing
What we are licensed for.
Licensed for Development Finance by the Ministry of Commerce & Industry (MOCI), Somalia. Each further authorisation is cited here by its number once it is issued.
- Licensed for Development Finance by the Ministry of Commerce & Industry, Somalia
- Incorporated in Somalia, headquartered in Mogadishu
- Not a bank; takes no deposits
- Personal data handled under the Somali Data Protection Act 2023
Vision
A Somalia whose institutions can access the capital and capability they need, and prove the results.
Footprint
Rooted in Mogadishu, built for the corridor.
Isnaad is headquartered in Mogadishu and connected to the Gulf to East Africa corridor, the licensed local partner that channels capital and expertise into Somalia, accountably.
Where we work