Your hospital bill, paid by Kansi. You pay it back monthly.

If your employer is signed up with Kansi, you already have a healthcare limit of $150–300. When you or your family need treatment at a partner hospital, clinic or pharmacy, show your ID. Kansi pays the bill. You repay the same amount in monthly instalments, with no mark-up and no fees added.

Is my employer signed up?Find a partner hospital

Market trader? See group financing for women

$150–300your starting limit

ID onlyno forms at the hospital

$0added to your bill

Reception desk at Hodan Hospital, a Kansi partner hospital in Mogadishu

Kansi accepted here

Your Kansi health limitEmployer-guaranteed

$300available

Example only · Guaranteed by your employer · Repaid from salary over 6 months

Built onFinancial Institution Law 2025AML/CFT Act 2025Data Protection Act 2023CBS/LCR/REG/04Murabaha & Qard Hasan contracts

What we do

Kansi does not give out cash. We pay the hospital or the wholesaler directly, and you pay us back in instalments.

We do two things: healthcare financing for working families, and stock financing for women who run small businesses. Both are Sharia-compliant and neither involves interest.

Health financingHealthcare financingA $150–300 limit for employees of enrolled companies, guaranteed by the employer. Larger bills up to $5,000 can be applied for at the hospital. Families referred by an NGO can also use it.How health financing works Women's financingFinancing for women in businessGroups of 5 to 10 women guarantee each other instead of putting up collateral. Each member can get $100–1,000 of stock per round, and up to $3,000 on her own after three good rounds.How women's financing works

Health financing · how it works

How the healthcare limit works

Employer enrols staff

Your company signs an agreement with Kansi and gives us a staff list. Every employee on the list gets a limit of $150–300.

Go to a partner provider

When you need treatment, go to any partner hospital, clinic or pharmacy and show your ID at the desk. They check your limit with Kansi. It takes a few minutes.

Kansi pays, you sign

Kansi pays the provider the full bill, including any of their processing fees. You sign a short contract in Somali for that same amount. Nothing is added.

Repay from salary

The amount is split into equal instalments over 3 to 6 months and taken from your salary, or paid by mobile money. If you repay on time, your limit goes up.

Who can use it

Two ways to get a healthcare limit

Employed

Through your employer

Your employer guarantees your limit and takes the instalments from your salary. You do not need to find a guarantor or put up collateral. Everyone on the staff list is covered, whatever their grade.

You start with $150–300, agreed with your employer
Can be used for your family too
Your limit goes up when you repay on time

Is my employer signed up?

NGO-referred

Through a partner NGO

Somali NGOs and government programmes can refer families they work with. The NGO confirms the referral and Kansi pays for the care at a partner provider, with a repayment plan the family can manage.

Referral letter or SMS code from the NGO
Qard Hasan, with no mark-up, for families in real hardship
Repayment by mobile money on a schedule agreed with you

I was referred by an NGO

For employers

A healthcare benefit that costs you nothing

Most salary advances in Somalia are for medical bills. With Kansi, your staff can get treated straight away instead of waiting for payday or asking you for an advance. You guarantee a small limit for each employee and deduct the repayments from salary. Kansi handles the rest. It works for small companies as well as large ones.

You set the limit$150, 200 or 300 per employee. You can set different limits for different grades.

One monthly remittanceDeduct from payroll and send Kansi one payment a month against a statement we send you.

Guarantee, not a loanYou only pay if an employee leaves with money still owing.

Staff dashboardAdd new staff, remove leavers and see how much of the limit is being used. You never see medical details.

Example, 40 staff

Employees enrolled40

Limit per employee$200

Total guaranteed exposure$8,000

Cost to employer$0

Employee repaysThe bill amount only

This is an example. The employee repays the bill amount only. Kansi is paid by the partner provider, not by the patient, and no interest is charged on any Kansi product.

Kansi accepted hereShifaa Pharmacy, Mogadishu

For hospitals, pharmacies & market wholesalers

Become an approved Kansi supplier

Kansi customers can only use their limit at approved providers. That means patients who come to you with Kansi already have their payment arranged. You check the limit at the desk, treat the patient, and Kansi pays your invoice.

Guaranteed settlementPaid to your bank or mobile-money account within 30 days.

No collection burdenThe debt is Kansi's, not yours. You never have to chase a patient for payment.

Desk verificationCheck a patient's limit using their ID, on WhatsApp or in the Kansi portal.

Larger cases tooSend us invoices above the limit and we will give you a quick answer.

Apply to become a supplier

Hospitals, pharmacies and wholesalers joining Kansi at launch in Mogadishu

We are adding more hospitals, pharmacies and wholesalers.

Where we work

We are starting in Mogadishu

We only open in a town once there are partner hospitals, pharmacies and employers there, so that a Kansi limit can be used from the first day. New branches need Central Bank approval first.

NowMogadishu, BanadirOur office is on Makka Almukarama Street. Partner hospitals and pharmacies in Hodan, Waberi and Hamar Weyne. Employers can sign up now.

Year 2Baidoa and KismayoTowns we are exploring next. We plan to begin with women's groups and NGO-referred families, then add employers once there are partner clinics.

Year 3Garowe, Beledweyne, DhusamarebTowns we hope to reach later. No licensed microfinance institution offers healthcare financing here yet, and we are talking to hospitals there.

If you run a hospital or employ staff in one of these towns, get in touch.

For NGOs & government programmes

Working with NGOs and government programmes

You can refer families to us, fund the care, or both. Somali NGOs and government agencies can put money into Kansi's healthcare financing within the limits set by the Central Bank. Every dollar can be traced to a hospital or pharmacy invoice.

You refer by letter, list or SMS code. Kansi does the ID checks and the contracts.
A monthly report for each programme showing who was helped and how much was used
Qard Hasan, with no mark-up, for the poorest households

Talk to us about a programme

Women and young people at an NGO programme site in Somalia

Kooxaha haweenka · Women's enterprise financing

Stock financing for women who trade

Women who sell in the market or from home form a group of 5 to 10 and guarantee each other. You tell us what stock you need. Kansi buys it from an approved wholesaler and sells it to you at a mark-up we agree in advance, and you pay weekly from your sales. If the group repays well, the next round is bigger. We only finance businesses run by women.

Women onlywe finance women-run businesses

$100–1,000per member, per round

0collateral needed

Form your group

Five to ten women who trade near each other and are not from the same household. One of our women credit officers meets the group in the market, at a time that suits you.

Kansi buys your stock

Kansi pays an approved wholesaler for the stock or equipment you asked for. You sign a Murabaha contract in Somali, which we read out to you, and collect the goods.

Repay weekly, grow

You pay weekly by mobile money. After three rounds with no missed payments you can apply on your own for up to $3,000. We help you register your business when you get there.

Health and business, one groupGroup members and their children also get a healthcare limit, guaranteed by the group in the same way. If a child is ill, you can get treatment without using the stock money.

Group financing$100–1,000 per member, over 3 to 12 months, paid weekly. The group guarantees each member. No collateral.

Graduate financing$1,000–3,000 over 6 to 12 months, paid monthly. For women who have finished three group rounds and registered their business.

Start a group NGOs: refer a women's groupWholesalers: become an approved supplier and get paid by Kansi directly. Learn more

All financing

What we offer

All products are Murabaha or Qard Hasan contracts. The Central Bank limits financing to $10,000 per person per year for our licence category.

ProductHow it worksAmountTenor

Kansi Health LimitFlagship · employer-guaranteedHealthcare limit for employees of enrolled companies, used at approved providers. You repay the bill only. The limit goes up with good repayment.$150 – 300 to start3 – 6 months

Medical Payment SupportFor bills above your limit. Apply at the hospital or on WhatsApp against the invoice. You repay the bill only. Answer within 24–48 hours.$300 – 5,0003 – 18 months

NGO-referred careFor families referred by a partner NGO or government programme. Murabaha, or Qard Hasan for hardship cases.$100 – 1,000Up to 12 months

Women's group financingGroups of 5–10 women who guarantee each other. Kansi buys stock from an approved wholesaler. Repaid weekly.$100 – 1,000 / member3 – 12 months

Women's graduate financingFor women who have completed three group rounds and registered their business. Individual contract, repaid monthly.$1,000 – 3,0006 – 12 months

Why Kansi

Why we started Kansi

Too many families in Mogadishu put off treatment until payday, or borrow from someone who charges whatever they like. Kansi was founded by Abdi Shakur Shidane to give working families and women traders a fair way to pay: the hospital or the wholesaler is paid now, and you pay back on terms you can see in full before you sign.

Sharia compliantFor healthcare you repay the bill amount only. For stock you pay a mark-up agreed before you sign. There is no interest on anything.

No waiting when you are illYour limit is set up in advance, so there is nothing to apply for when you need treatment.

No surprisesThe amount on your hospital bill is the amount in your contract. It does not go up, even if you pay late.

ConfidentialYour employer sees how much you owe, not what it was for. We follow the Data Protection Act 2023.

Learn · Waxbarasho maaliyadeed

Short guides, in Somali and English

These short guides are on the way. We will send them to every new customer by SMS and WhatsApp, free to anyone. Tap any guide to request it now on WhatsApp.

Request a guide

BasicsWhat Murabaha is, and how it differs from a loan4 min · Somali / English HealthWhat to bring to the hospital desk3 min · with a checklist BusinessHow much stock can your sales repay? A one-page budget5 min · printable Your rightsIf you cannot pay this month3 min · complaints channel inside GroupsHow to form a group, and who to choose6 min · for group leaders FormaliseHow to register your business and get a TIN8 min · unlocks larger financing EmployersHow to explain Kansi to your staffPDF · Somali / English SafetyKansi never asks for cash or your PIN2 min

Questions

Common questions

If your question is not here, message us on WhatsApp +252 61 4 37 47 68 or ask at any partner hospital desk.

My employer isn't enrolled. Can I still use Kansi?

Ask your HR to sign up. It takes one agreement and a staff list. Until then, you can apply for Medical Payment Support at a partner hospital with a personal guarantor.

Is this a credit card?

No. There is no card and no cash. Each time you use it, you sign a separate contract at the provider for that bill, up to your limit.

Is this really interest-free?

Yes. For healthcare, Kansi pays the provider and you repay that same amount. Kansi is paid a fee by the provider, not by you. For stock financing, Kansi buys the goods and sells them to you at a mark-up agreed before you sign. In both cases the total is fixed and does not change if you pay late.

What does my employer see?

Only how much to deduct and how much you still owe. Not where you were treated or what for.

What if I leave my job with a balance?

You keep paying the same instalments by mobile money. Your employer only becomes responsible if you stop paying.

What if I have a complaint?

You can complain in person, by phone, WhatsApp or email, free of charge. We reply within 2 working days and aim to resolve it within 14 days. If you are not satisfied, you can take it to the Central Bank of Somalia.