Cidda ruqsadda haysata: bangiyada, xawaaladaha, maaliyadda yaryar iyo caymiska Soomaaliya

Si kooban

Bangiga Dhexe ee Soomaaliya wuxuu ruqsad siiyaa oo kormeeraa bangiyada, shirkadaha xawaaladda, shirkadaha maaliyadda yaryar iyo caymiska Islaamiga. Mid kasta wuxuu u daabacaa diiwaan. Hoos waxaa ku qoran magacyada diiwaannadaas ku jiray 12 Nofembar 2026 (Bangiga Dhexe, bangiyada ruqsadda haysta). Bogagga Bangiga Dhexe laftooda ayaa haya liisaska hadda.

Bangiyada

Diiwaanka bangiyada ruqsadda haysta ee Bangiga Dhexe wuxuu taxayaa 15:

Agro Bank, Amal Bank (Garoowe), Amana Bank, Bulsho Bank, Bushra Bank, Dahabshiil International Bank, Daryeel Bank (Boosaaso), GIB, IBS Bank, Idman Bank, My Bank, Premier Bank, Salaam Bank, Sombank, iyo Ziraat Katılım, oo ah bangi Turki ah.

Bangiyada kale ee la taxay dhammaantood waxay ku yaalliin Muqdisho. Bangiyadu wadar ahaan waxay dhammaadkii 2025 haysteen $2.3 bilyan oo hanti ah (Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025). Eeg Bangiyada Soomaaliya.

Shirkadaha xawaaladda

Diiwaanka xawaaladaha ruqsadda haysta wuxuu magacaabayaa 17:

Amal Express, Amana Express, Asal Express, Bakaal Express, Dahabshiil, Fundaza, Hibo (Boosaaso), Hodan, Iftin Express, Jubba, Naafic, Quick, Rcash (Garoowe), Sahan, Tawakal Express (Garoowe), TAYO iyo Yiksi.

Shirkadahan ayaa qaada inta badan lacagta ay qoysaska dibadda joogaa dalka u soo diraan (Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025). Eeg Xawaaladda iyo shirkadaha lacagta iyo Sida lacag loogu diro Soomaaliya.

Lacagta mobilka

Diseembar 2025 waxaa jiray 6 shirkadood oo lacagta mobilka ah oo ruqsad haysta (Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025). Ruqsaddii ugu horreysay waxaa la siiyay EVC Plus ee Hormuud Febraayo 2021 (VOA). Eeg Lacagta mobilka.

Maaliyadda yaryar

Diiwaanka maaliyadda yaryar ee ruqsadda haysta wuxuu taxayaa 24, halka 7-dii ugu horreeyay ruqsadda la siiyay 9 Nofembar 2025:

Access MFI, Amana MFI, Asal, Bulaal Finance, Bushra, Dahab MFI, Future Finance House, Haldoor, Himilo (Garoowe), Hogaan (Baydhabo), Horseed, Idman MFI, Kaafi, KIMS (Hargeysa), Kobciye, Maal, Midnimo, OSOB, RAAS, SICOF (Somali Industrial Cooperative Finance), Somali Microfinance (SOM), Tijaaro, Wadaag Microfinance (Hargeysa) iyo WE-INVEST (Hargeysa).

Shirkadahan waxay amaahiyaan lacag yar laakiin kayd ma qaataan. Eeg Maaliyadda Islaamiga, maaliyadda yaryar iyo Takaful.

Takaful (caymiska Islaamiga)

Diiwaanka Takaful ee ruqsadda haysta wuxuu taxayaa 8:

Amanah Insurance, Baraka Takaful, FISO Insurance, Kobciye Insurance, Salmastar Insurance, Takaaful Africa, Tamini Insurance iyo Wadaag Insurance (Hargeysa).

Afartii ruqsadood ee ugu horreeyay waxaa la ansixiyay 24 Janaayo 2026 (Bangiga Dhexe ee Soomaaliya, 27 Janaayo 2026). Eeg Somali Takaful companies.

Isgaarsiinta

Shirkadaha taleefannada waxaa ruqsad siisa hay'ad kale, Hay'adda Isgaarsiinta Qaranka (NCA), oo taxda toddoba shirkadood oo mobile ah oo haysta ruqsadaha mowjadaha (NCA, diiwaanka ruqsadaha). Eeg Isgaarsiinta iyo internetka.

Ilaha way kala duwan yihiin

Warbixinta Sannadlaha 2025 ee Bangiga Dhexe waxay Diseembar 2025 tirisay 13 bangi oo gudaha ah, 1 laan bangi shisheeye iyo 14 shirkadood oo xawaalad ah. Diiwaannada online-ka ah ee la eegay Nofembar 2026 waxay muujinayaan 15 bangi iyo 17 shirkadood oo xawaalad ah. Diiwaannadu way ka cusub yihiin, laakiin ma muujiyaan goorta ruqsad kasta la bixiyay. Diiwaannadu waxay muujiyaan astaamo (logos) halkii magacyo qoran, sidaas darteed qaar ka mid ah higgaadda halkan waxaa laga soo qaatay cinwaanka websaydhka shirkad kasta.

Somaliland waxay leedahay bangi dhexe u gaar ah, waxayna ruqsad siisaa bangiyadeeda, sida Wadaag Bank (Tech Africa). Shirkadaha qaar oo Hargeysa fadhiya ayaa sidoo kale ku jira diiwaannada Bangiga Dhexe ee federaalka. Eeg Dhaqaalaha Somaliland.