SA

The Messenger of Allaah (peace and blessings of Allaah be upon him) said: “No one ever eats any food better than that which he has earned with his own hands”.

Why is it important to track global market cycles and how they can change your investment portfolio allocation locally? 1. Uncertainities drive down stocks, push up gold price as a hedge asset 2. Uncertainity over US economy drags the dollar, and favours Bitcoin (not a guarantee though), FX markets reward USD shorters 3. Surging oil prices affect the stock markets, favors safe haven assets How it might affect you as a local investor in Tanzania 1. Global capital leaves the local markets, liquidity becomes tight when you want to sell 2. Surging oil prices, if prolonged, will push up inflation. Inflation will eat up your bond/sukuk investments 3. If banks reduces private sector lending, real estate will experience more vacancy rate, pushing potential defaults 4. Holding short-term and more liquid investments become better option

Shirkah Asset Management signed an MOU with Wealth Capital Fund, in their quest to co-create halal investment products and schemes that will bring new halal investment products to the market.

@lordmoremi You need to grow local fund manager ecosystem. You can't just send this money to some manager in Europe with offices in Africa, who already has $50m under management.

"Just pay 200bps a year for the fund to be managed by some manager somewhere"

How best to use “TZS 200 billion za vijana na wanawake” 1. STRUCTURE - Fund of Funds (TWIGA National Fund) - Managed by a fund manager, supported by an advisory committee - Funds handed over to a newly formed Board - Board composed of industry players, Startups/SMEs reps, experts, and govt reps 2. SUB-FUNDS - Set up four (4) sub-funds, with different structures, instruments, and managers. - To work as catalyctic funds - Pay fund managers management fee a. Sub-Fund I: Grant Fund - Supports new innovative ideas - Pre-seed / pre-revenue - 50% as repayable grant b. Sub-Fund II: Debt fund - Supports short-term needs - LPO financing - Working capital financing - Lease financing - Non-collateralized financing c. Sub-Fund III: Venture capital fund - Medium to long-term financing - Post-revenue businesses - Equity & quasi-equity instruments - Patient capital d. Sub-Fund IV: Guarantee Fund - Unlocking commercial debt financing - First-loss guarantee for angel investors 3. TECHNICAL ASSISTANCE FACILITY - Training - Investor readiness - Monitoring - Coaching & mentorship - Empower hubs and BDS providers 4. CATALYCTIC MODEL - Use the funds to unlock more private capital and commercial debt flow - De-risk local fund managers to raise fund II commercially. 5. REACH OUT - Open fund offices at zonal or regional level to capture businesses outside the major cities OR partner with local hubs. THE DONTS FOR THE FUND 1. Dont place the funds under the commercial bank 2. Dont place the funds under the government institution 3. Dont interfere the sub-funds managers 4. Dont use traditional ways to asses applicants

Shirkah Ventures

Not for the faint-hearted

Dhahabu ni moja ya aina ya uwekezaji mkubwa na maarufu duniani. Lakini unatumika zaidi kama kinga ya aina nyingine za uwekezaji. Mfano, hisa zina risk kubwa, na hali ya uchumi ikionekana inaweza kuwa ngumu huko mbele kama vile mfumuko wa bei kuwa mkubwa, watu huuza hisa zao na kununua gold ili kutunza thamani ya fedha (ndiyo hedging) Lkn gold sio aina ya uwekezaji wa kutarajia kipato kila mwaka mfano, kama gold return (ndo maana ya non-yielding)

@SalumAwadh Hii Leo sijaelewa kitu

Gold is an investment for hedging, and not for wealth creation (non-yielding asset).

Warren Buffett portfolio performance 2025

12% for 1m is only 120k before inflation, that can't pay even your annual LUKU bills. Hapa, focus should be to grow your active income kwanza ( base year). U have 3 options: Get a job, start a business, and make investment your full-time job. Each of the options ina requirements make to succeed. Kumbuka you have monthly bills to pay. You can start with 1m and compound it. But that requires you kuwa na other income (active). Issue sio what returns you get between the two and what protects your capital, it's simply life economics

@SalumAwadh SA I'm okay to give you one M tell me per year how much you will give me,Need more than 12% .Problems which faces many people in Tz they think it's easy to make profits on sell goods ,which isn't easy like they think ,12% is the best return per year bc to your Capital is safe

KWANINI NIWEKEZE MIL.1 NIPATE 12% KWA MWAKA, WAKATI NAWEZA KUZUNGUSHA HIYO ELA MARA 3 KWA MWEZI KKOO? Kumekuwa na “misconception” ya kulinganisha faida ya uwekezaji katika masoko ya fedha na faida katika biashara za kawaida. UFAFANUZI 1. Haipaswi kuwa hivyo, hili sio suala la kuchagua “either or”, ila ni moja kusaidia lingine. 2. Jambo la kwanza unapaswa kujenga kipato kwanza (active income), then sehemu ya kipato chako ndo itumike katika uwekezaji (passive income). 3. Kipaumbele kwanza ni kutengeneza kipacho cha msingi (active income), lipa gharama za maisha, then 10-20% mfano weka pembeni, ndo ukawekeza kwenye masuala ya hati fungani, hisa, bitcoin, mifuko ya uwekezaji, ETFs,n.k 3. Kipato chako cha msingi kinaweza kuwa ajira, biashara, n.k 4. Mahali pekee unaweza kutumia uwekezaji katika masoko ya fedha kama “active income” ni pale tu unapoamua “trading or investing” inakuwa ndo career yako (professional investor), kama most of crypto or FX traders wanavyokuwa 5. So, kipato chako cha msingi kinavyoongezeka, na ukaweza kuweka akida zaidi, ndivyo utapata fedha zaidi za kuwekeza katika masoko ya fedha kupata “passive income”. Kama ilivyo kwenye 50/30/20 rule. 6. So, tumia biashara yako ya kilimo, madini, nguo, vipodozi, etc, kama active income. Then lipa bills zako, then weka a portion of it, kuwekeza katika hati fungani au hisa. Sio suala la “either or” - Mfano, biashara inakupa net margin ya 15%, chukua 5% wekeza katika masoko ya fedha, na 10% invest back into the business. - Then uwekezaji unaweza kukupa 15-20% return. 7. Huo uwekezaji utakusaidia katika mambo mengi yakiwemo; - Dharura mbalimbali, ili usile mtaji wa biaahara - Kama source ya mtaji kukuza biashara yako - Kuboresha maisha yako (lifestyle) bila kuathiri fedha za biashara - Itakusaidia katika uzee wako (retirement buffer) - Kukupa cashflow cover kipindi biz inakuwa ngumu or when clients dont pay on time. 8. Kanuni hii pia inatumika kwa matajiri wakubwa ndo maana utakuka wana vitu kama family offices, family trusts, wealth managers, private bankers, n.k So, idea sio either biashara or hisa, suala ni kufanya both, kwanza jenga kipato kwa biashara au ajira, then allocate 10-20%, wekeza

I visited the Comoros Island to explore investment opportunities in the country’s financial sector, and introducing SSC Capital & Shirkah Asset Management services in the Island. I express my graditude to Tanzanian Ambassador in Comoros, H.E Said O. Yakub, and his team. I met the Central Bank Governor and his team, Resident representatives of IMF and World Bank. I also met the Comoros Chamber of Commerce. Ija karibuni

Marhaba menji Comoros

@DavidcharlesTz @realTimHack It's a derivative

@realTimHack @SalumAwadh just saying

Physically settled COMEX silver futures contracts for January have exceeded the 9,000 mark and now stand at 9,181, which corresponds to approximately 46 million ounces of silver. At this rate, there is no chance that anyone holding COMEX silver futures contracts will be able to physically settle beyond March. And it could accelerate further. The Comex, and with it the Western pricing power for precious metals, is on the verge of collapse. This means that nothing should stand in the way of a revaluation of commodities. As soon as the East has the financial power, it will make the West pay for its exploitation and wars by pushing up the prices of commodities sharply.

TAIN Fund is an angel fund managed by SSC Capital Shirkah Ventures is a pre-seed and seed VC arm of Shirkah Asset Management. They work together to source, analyze, and invest in startups and SMEs from as low as TZS 20m per transaction, to as high as TZS 500m per deal.

Access to Finance Training: Strengthening Local Businesses under AFRAP We are happy to have successfully conducted Access to Finance Training sessions under the AFRAP project, an initiative of TPSF @tpsftz under AfDB’s support aimed at supporting local brands on their journey to becoming franchisable and investment-ready. The training was held in Zanzibar on 20th January 2026 and in Arusha on 22nd January 2026. The project is being implemented in Arusha, Zanzibar, and Dar es Salaam. These sessions focused on equipping participating businesses with practical knowledge and tools to improve financial readiness and understand available financing options.