Empowering Lives
Through Sharia-Compliant
Financial Services
Barwaaqo is Somaliland’s first Sharia-compliant, member-owned SACCO, expanding social inclusion for low-income communities. Our Services
About Us
Financial
Access for All.
Creating a future where Somaliland’s low-income individuals access financial services tailored to their needs. Our Services About Us
Accessible Affordable. Transformative. Delivering Sharia-compliant savings and credit solutions that empower and uplift communities. Our Services About Us

Delivering Financial
Solutions for All.

Shaqaale

Shaqaale

Salaried staff are important for the Somaliland economy and contribute to its growth. Employees face extreme difficulties in access their financial needs. Barwaaqo SACCO has…
Dheyman

Dheyman

Barwaaqo SACCO’s Dheyman Stream is designed specifically to meet the growing finance demand for the Somaliland women who are either self-employed or own and run…
Xoogsato

Xoogsato

Skilled laborers and unskilled laborers play an important role in the construction projects and in the economy as a whole. They may include: national technical…
Small Bussiness

Small Bussiness

Small businesses in Somaliland play a critical role in the economy through job creation, economic growth, community support, promote economic resilience and lastly provide unique…

Our Features

Why Choose Us!

We continue to pursue that same vision in today's complex, uncertain world, working every day to earn our customers’ trust!

What Peoples Say!

Testimonials

Flexible & Affordable Financial Services

At Barwaaqo SACCO, we are committed to providing accessible and Sharia-compliant financial solutions tailored to the needs of our members, particularly those with low incomes in Somaliland. Our flexible pricing policy ensures that our services remain affordable while maintaining quality.

Transactions

Economic Growth Across 7,145 Miles

We strive to build a strong community by promoting financial literacy and cooperation among our members, fostering an environment where everyone can achieve their financial goals. Join us at Barwaaqo SACCO, where your financial needs are our top priority!

Latest Principals

Principals

they reflect our commitment to serving our members and fostering an inclusive financial environment. Here are the key principles that guide our work

Affordable Rates, Trusted Services

Accessible, Reliable & Quality
Financial Solutions That
Empower Your Future!

we take pride in offering the best financial services tailored for our members. Our dedicated team utilizes innovative solutions and technology to ensure accessible, affordable, and quality Sharia-compliant savings and credit products. With a commitment to empowering low-income individuals, we leverage our expertise to enhance financial inclusion and improve lives across Somaliland.

What We Achieved!

Fulfill our dedicated promise to deliver innovative & dynamic solutions to our customers to fit their needs.

Transparency
95%
Accountability
88%
Efficiency
99%
Prudence
80%
Compliance
70%