Saving Account

At Yonna Islamic Microfinance, our Saving Accounts are tailored to help businesses manage funds efficiently, optimize cash flow, and grow ethically in compliance with Shariah principles.

Our Savings Account Solutions

Shariah compliant savings accounts designed to help you achieve your financial goals.

Maboro Savings Account

Save safely while earning profit through the Mudarabah model. Limited withdrawals are encouraged for higher Profit.

Individuals Businesses Corporate Organizations
  • Minimum Balance Requirement: 100 GMD
  • Account Closure Fee: 250 GMD
  • Profit Calculation (Hiba): 40% of profit made
  • SMS Alert: 1 GMD / Transaction
  • Cheque Book: 25 / 50 / 100 Leaves – 100 / 200 / 400 GMD
  • Frequency of Withdrawal: Limited
  • Account Opening Fee: 0 GMD
  • Account Maintenance Fee: 0 GMD
  • Acceptable Currency: GMD

Dajaleh Account

Structured savings account to encourage disciplined savings for planned expenses. Withdrawals allowed once every 3 months.

Individuals Businesses Groups
  • Minimum Balance Requirement: 500 GMD
  • Account Closure Fee: 250 GMD
  • Profit Calculation (Hiba): 40% of profit made
  • SMS Alert: 1 GMD / Transaction
  • Cheque Book: 25 / 50 / 100 Leaves – 100 / 200 / 400 GMD
  • Frequency of Saving: Unlimited
  • Frequency of Withdrawal: Once every 3 months
  • Account Opening Fee: 0 GMD
  • Account Maintenance Fee: 0 GMD
  • Acceptable Currency: GMD
  • Ordinary Account Statement: Free

Child Savings Account

Save for your children’s future with a Mudarabah-based account. Managed by parents until the child turns 18.

Individuals Families
  • Minimum Balance Requirement: 200 GMD
  • Account Closure Fee: 250 GMD
  • Profit Calculation (Hiba): 40% of profit made
  • SMS Alert: 1 GMD / Transaction
  • Cheque Book: 25 / 50 / 100 Leaves – 100 / 200 / 400 GMD
  • Frequency of Saving: Unlimited
  • Frequency of Withdrawal: Limited
  • Account Opening Fee: 0 GMD
  • Account Maintenance Fee: 0 GMD
  • Acceptable Currency: GMD
  • Ordinary Account Statement: Free

Diaspora Savings Account

Designed for Gambians living abroad to save in The Gambia. Withdrawals require the account holder.

Individuals Families
  • Minimum Balance Requirement: 500 GMD
  • Account Closure Fee: 100 GMD
  • Passbook: 50 GMD
  • Profit Calculation (Hiba): 40% of profit made
  • SMS Alert: 1 GMD / Transaction
  • Cheque Book: 25 / 50 / 100 Leaves – 100 / 200 / 400 GMD
  • Frequency of Saving: Unlimited
  • Frequency of Withdrawal: Limited
  • Account Opening Fee: 0 GMD
  • Account Maintenance Fee: 0 GMD
  • Acceptable Currency: GMD
  • Ordinary Account Statement: Free

Hajjih & Umrah Account

Save gradually to perform Hajj or Umrah with a disciplined Mudarabah savings plan. Special Hiba is paid yearly.

Individual Muslim clients
  • Account Opening Fee: 200 GMD
  • Initial Minimum Deposit Balance: 10,000 GMD
  • Minimum Operating Balance: 500 GMD
  • Certificate Fee: 50 GMD
  • Profit Sharing Ratio: Client:YIMF – 70:30
  • Periodicity of Profit Calculation: Yearly
  • Frequency of Saving: Unlimited
  • Frequency of Withdrawal: Only at maturity; otherwise forfeits special Hiba
  • Special Conditions: Monthly minimum deposit must be maintained; otherwise converts to ordinary savings account
  • Account Maintenance Fee: 0 GMD
  • Acceptable Currency: GMD
  • Ordinary Account Statement: Free

Ways to Bank With Us

Experience the flexibility of modern banking with Yonna Islamic Microfinance online, on mobile, or in person.

Online Banking

Manage your finances conveniently through our secure online platform check balances, make transfers, and more from anywhere.

Mobile App

Bank smarter on the go with our mobile app send money, view transactions, and stay in control anytime, anywhere.

In Branch Banking

Visit any Yonna Microfinance branch near you for personalized service friendly staff ready to assist with all your banking needs.

Why Choose Yonna Corporate Banking

Experience corporate banking that combines Islamic principles with cutting edge technology and exceptional service.

100% Shariah compliant

All products approved by our Shariah Advisory Board

Dedicated Relationship Manager

Personalized service and business advisory support

Advanced Digital Banking

Comprehensive online platform and mobile app

International Services

Global trade finance and correspondent banking

Financial Reporting

Detailed statements and business analytics

Enterprise Security

Bank-grade security and fraud protection

Requirements to Open a Corporate Account

Our account opening process is designed to be thorough yet efficient. Here's what you need to prepare:

Certificate of Incorporation

Business Registration Certificate

Tax Identification Number (TIN)

Board Resolution for Account Opening

Memorandum and Articles of Association

Audited Financial Statements (last 2 years)

Valid IDs of Directors and Authorized Signatories

Proof of Business Address

Business License or Permit

Minimum Opening Deposit (varies by account type)

How to Open Your Account

Our streamlined process makes it easy to get started. Follow these simple steps to open your account today.

1

Initial Consultation

Schedule a meeting with our team to discuss your business requirements.

2

Prepare Documents

Gather required documents like ID, proof of address, and employment verification.

3

Visit Branch

Visit any of our branches with your documents to complete the application process.

4

Start Banking

Activate your saving banking facilities and begin managing your business finances.