Microloan Helped Young Camel Keeper Boost Milk Production and Create Jobs in Hargeisa

For Jimale Osman, a young camel keeper on the outskirts of Hargeisa, what began as a small livestock venture has grown into a reliable source of income and employment for others in his community. His journey demonstrates how access to affordable finance can unlock opportunities in Somalia’s vibrant livestock sector.

As Hargeisa’s population continues to grow, so does the demand for fresh camel milk — a staple in many Somali households. Seeing this opportunity, Jimale decided to expand his herd to increase production. However, he lacked the capital needed to buy more animals.

“I heard about MicroDahab MFI’s Tacab-Maal loan facility, which targets livestock keepers, from a friend who had benefited from their credit services,” he recalls. “I approached them and explained my business idea. They were supportive and helped me secure a loan.”

With a $4,900 loan from MicroDahab MFI, a partner under the FIG Programme, Jimale purchased 12 new camels to add to his herd. The investment paid off almost immediately. His milk output rose to 30 litres per day, and his monthly income increased from $300 to $450 — a 50 percent growth.

This improvement has not only strengthened Jimale’s business but also improved his family’s well-being. With his expanded income, he is now able to provide for his family of 11, pay for school fees, and cover other household expenses without difficulty.

Jimale’s growing enterprise has also had a ripple effect in his community. He has employed three local youth on a full-time basis to assist in managing the animals and delivering milk to the market. “It feels good to see that my business is not only supporting my family but also creating jobs for others,” he says.

He remains grateful for the support that made this growth possible. “MicroDahab MFI gave me the confidence to take a step forward. Without that loan, I wouldn’t have been able to expand this fast,” he notes.

Jimale’s story reflects the broader impact of the FIG Programme’s partnership with MicroDahab MFI, which continues to extend financial inclusion to small-scale entrepreneurs across Somalia and Somaliland. By enabling youth like Jimale to invest in their ideas, the programme is helping communities build sustainable livelihoods and strengthen local economies.