Lend, don't give.
Watch your kindness recycle.
Taakulo connects Angel Donors of every background with vetted entrepreneurs across the Horn of Africa. You lend interest-free; we purchase the assets they need and they repay over time. When repaid, 100% of your principal returns — to lend again, or withdraw. Built on an ethical, asset-backed financing model open to donors of all faiths.
You lend
Interest-free, no fees
We deliver
Vetted, asset-backed
They repay
Principal returns to you
$17.9k
Lent to date
18
Beneficiaries funded
7
Angel donors
14.5%
Principal recovery
2.6×
Avg recycle multiplier
Open for funding
Lives waiting on a yes.
Fatima Yusuf
Mogadishu · 12-mo Murabaha
“Funding two industrial sewing machines plus thread inventory so Fatima can take on bridal orders this season.”
Ahmed Hussein
Mogadishu · 14-mo Murabaha
“A hot-air rework station, a microscope and a six-month components inventory so Ahmed handles board-level repairs.”
Mohamed Yusuf
Kismayo · 10-mo Murabaha
“A higher-yield kiln that converts more input wood per batch and reduces the smoke neighbours have complained about.”
How Taakulo works
A hybrid Sharia-compliant
structure that returns your capital.
Angel Donor
You
Maal
Wakalah agent
Beneficiary
Asset purchase
01
You lend, interest-free
You deposit funds as Qard Hasan into a segregated Donor Wallet. No profit, no expectation of profit — only the return of your principal.
02
Maal acts as your agent
Under a Wakalah mandate, Maal vets the beneficiary, purchases assets directly from suppliers, and structures a Murabaha sale at cost plus a fixed, per-case markup.
03
Beneficiary repays in installments
Over the agreed tenor (8–24 months), the beneficiary pays Maal. Maal returns 100% of your principal to your wallet; the markup sustains Maal's operations.
04
Your barakah recycles
When principal returns, you choose: re-lend to a new beneficiary or withdraw. Each dollar serves multiple families over time.
Sharia compliance
Audited end-to-end. Zero riba.
Every transaction on Taakulo is reviewed by the Maal Sharia Board. Donor capital flows under Qard Hasan; beneficiary financing is Murabaha asset-backed. Funds are segregated; agency is documented; profit is tied to a real asset sale.
- Qard Hasan
- Benevolent loan from donor to Maal — no interest, no profit expectation.
- Wakalah
- Documented agency mandate authorizing Maal to act on the donor's behalf.
- Murabaha
- Cost-plus asset sale — Maal owns the asset before selling it on to the beneficiary.
- Segregation
- Donor funds held separately from Maal's operating capital.
Become an Angel Donor
Your $250 can lift three families before it ever needs to come back.