Products

Fursad is a profit-free daily financing program designed to support small, daily-sales businesses. It serves micro-entrepreneurs who buy goods such as food, vegetables, or other fast-moving items and sell them within the same day to earn their livelihood.

Under Fursad, members receive short-term financing with no profit, no markup, and no additional charges. The member simply returns the exact amount taken, making the product fully accessible and supportive for low-income traders.

Fursad aims to:

• Support daily income earners
• Ease cash-flow challenges
• Promote fair and ethical financing
• Strengthen livelihoods without financial burden

Tooko + Murabaha is a business development and financing product designed for members who have an existing business or are preparing to start one. The product begins with Tooko, a disciplined savings program that encourages members to save toward a clearly defined business target over a one-year period.

When a member saves more than 50% of their target amount, the SACCO supports the member by providing the remaining balance through Murabaha financing. This allows the member to reach their full business capital requirement without waiting to complete the entire savings target on their own.

The product is designed to:

• Encourage disciplined and consistent saving
• Reduce the capital gap for small businesses
• Enable faster business start-up or expansion
• Provide ethical, asset-based financing through Murabaha