Programme · Cohort 1

Where Your Cash Is

Three hours on the question that closes businesses. The business is profitable, the order book is good, and there is no money in the account. This session shows you exactly where it went, using figures from your own business.

Delivered by Isnaad with Calibercode, our East African advisory partner.

Date: 14 Oct 2026
Format: Online, live
Length: 3 hours
To attend: Free

What you leave with

Four answers, worked out from your business, not a case study.

You are asked to find four figures from your own business beforehand. Everything below is worked out from them during the three hours. If you cannot find them, we give you an example set so you can follow every step.

01 A one page worksheet, completed in your own figures
02 Your cash conversion cycle, in days
03 Your working capital requirement, in money
04 One change to make, and what it is worth to you

When and where

One morning, online, from wherever you are.

The session runs live rather than as a recording, so you can ask questions as we go. It is also recorded, and everyone who registers receives the recording afterwards whether or not they could attend.

Date: Wednesday 14 October 2026
Time: 09:00 to 12:00, East Africa Time (UTC+3)
Length: Three hours, live
Where: Online. The joining link is sent on confirmation
Places: 100
Cost: Free. No fee for anything, including the certificate
Language: English, with Somali explanation throughout
Delivered by: Calibercode, with Isnaad

What you need on the day

A laptop, tablet or phone, and an internet connection good enough for video.
A calculator, or the one on your phone.
The one page worksheet we send you, on paper or on screen.
Four figures from your own business. Estimates are fine, and we provide an example set if you do not have them.

The full timetable

The full three hours, in order.

Three hours with one break. Most of the time is spent working figures rather than listening. All times are East Africa Time.

One session

Wednesday 14 October

Working capital: where your cash is tied up

09:00 Welcome, and how the session works 10 min
09:10 Profit is not cash: how a profitable business runs out of money 30 min
09:40 Your four figures: stock, owed to you, owed by you, monthly cost of sales 30 min
10:10 Break 10 min
10:20 Your cash cycle: stock days, collection days, payment days 35 min
10:55 Your working capital requirement, in money 25 min
11:20 The three levers, and what each is worth in your business 30 min
11:50 Questions, and what happens next 10 min

One Somali trading business is worked through on screen from start to finish, and you apply each step to your own figures as it goes. The session is designed and delivered by Calibercode.

From registering to your certificate

What happens, and when.

Now Register Complete the form below. We confirm every place by email.
On confirmation You receive the joining pack The link to join, the one page worksheet, and the four figures worth finding beforehand.
Before 14 October Find four figures What your stock is worth, what your customers owe you, what you owe your suppliers, and what your goods cost you in a month. Estimates are fine.
14 October, 09:00 Three hours, live One Somali trading business is worked through on screen. You fill in your own worksheet alongside it, privately.
Afterwards The recording, and your certificate The recording, the slides and the worksheet, and a Certificate of Attendance if you would like one. All free.

Cost and certificate

Free, with no fee of any kind.

There is no charge to attend and no charge for the certificate. Anyone who attends may ask for one, co-signed by Isnaad and Calibercode, at no cost. You will also receive the recording, the slides and the worksheet.

It is a Certificate of Attendance at a private session, and it records that you attended. It is not a professional qualification and it carries no recognition by any ministry, regulator or professional body.

Please read before registering

This session is not an application for finance. It helps you work out what your own business needs. It does not offer to provide it. Attending creates no commitment by Isnaad to lend to or invest in your business, and no commitment by you to borrow from or work with Isnaad. Nothing said during the three hours should be understood as an offer or a promise of funding.
Isnaad is licensed for Development Finance by the Ministry of Commerce and Industry of Somalia. It is not a bank, it does not take deposits, and it does not operate a microfinance institution.
Your figures stay yours. You fill in your worksheet privately and you keep it. You are not required to show any figure to Isnaad, to Calibercode or to anyone else in the session. Whether you share it afterwards is your choice, and it makes no difference to your place.

One hundred places.

Registration closes on 9 October 2026, or when the places are taken. We confirm every place by email. If the session is full we will hold your details for the next one, unless you tell us otherwise.

Your full name * Business name * Your role in the business Sector Email * Phone (WhatsApp if possible) * City or region Years trading People employed Do you keep written records today?

What do you most want to be able to answer about your business?

Your details and your records Required. I agree that Isnaad may use the details above to administer my place at this session and to contact me about it. Isnaad holds these details under the Somali Data Protection Act 2023. See the privacy notice. Optional. If, after the session, I choose to send Isnaad my completed worksheet, Isnaad may keep a copy so that it can follow up with me afterwards about its services. Leaving this unticked does not affect your place, and you can still attend everything.

You can ask us to correct or delete your details at any time by writing to info@isnaad.so. Registering creates no lending commitment in either direction.

Prefer to register by email or WhatsApp? Write to info@isnaad.so or call +252 77 052 7727.