Programme · Cohort 1

Mastering the Numbers

Three days that turn your own sales, expense and stock records into a set of financial statements you can read, defend and use. For Somali business owners and managers who run real businesses on incomplete numbers.

Delivered by Isnaad with Calibercode, our East African advisory partner.

Dates: 13 to 15 Oct 2026
Format: Online, live
Places: 25 only
To attend: Free

What you leave with

Nine documents, built from your business, not a case study.

You are asked to bring your own sales, expense and stock records, however incomplete. Everything below is built from them during the three days.

01 An income statement from your own records
02 A balance sheet
03 A cash flow statement
04 Working capital and cash conversion
05 True cost pricing, built up line by line
06 Your break-even point
07 Eight performance ratios
08 A controls assessment
09 A ninety day improvement plan

When and where

Three full days, online, from your own desk.

The programme runs live, not as recordings. Everyone is in the session at the same time, because the exercises are worked together and coached.

Dates: Tuesday 13 to Thursday 15 October 2026
Each day: 08:30 to 16:30, East Africa Time (UTC+3)
Contact hours: 24 across the three days
Where: Online, live. Joining details sent on confirmation
Places: 25, so that everyone can be coached
Cost: Free to attend. Optional US$30 certificate
Language: English, with Somali explanation throughout
Delivered by: Calibercode, with Isnaad

What you need on the day

A laptop, tablet or phone, and an internet connection good enough for video.
A calculator, or the one on your phone.
Somewhere you can work for the day without interruption.
Your own sales, expense and stock records. Even a notebook.

The full timetable

Every session, in order.

Twenty four contact hours. Seventy per cent of the time is practical work, not lecture. All times are East Africa Time.

Day one

Tuesday 13 October

Foundations and the three financial statements

08:30 Welcome, orientation and pre-programme self-assessment 30 min
09:00 Foundations of financial management for SMEs 60 min
10:00 Break 15 min
10:15 The income statement, profit and loss 60 min
11:15 The balance sheet 75 min
12:30 Lunch 60 min
13:30 The cash flow statement 60 min
14:30 Exercise: reading the case business accounts 30 min
15:00 Break 15 min
15:15 Cash flow management and forecasting 60 min
16:15 Recap, open questions, journal entry 15 min

Day two

Wednesday 14 October

Managing money and making pricing decisions

08:30 Recap of day one and warm-up 15 min
08:45 Working capital management 60 min
09:45 Break 15 min
10:00 Pricing for profit 60 min
11:00 Break-even analysis, with exercise 90 min
12:30 Lunch 60 min
13:30 Budgeting and financial planning, with exercise 90 min
15:00 Break 15 min
15:15 Group clinic: repricing and budgeting the case business 60 min
16:15 Recap, open questions, journal entry 15 min

Day three

Thursday 15 October

Control, performance and forward planning

08:30 Recap of day two and warm-up 15 min
08:45 Financial controls, record keeping and digital tools 60 min
09:45 Financial performance and ratio analysis 60 min
10:45 Break 15 min
11:00 Exercise: diagnosing the case business performance 90 min
12:30 Lunch 60 min
13:30 Building your ninety day improvement plan 90 min
15:00 Break 15 min
15:15 One to one coaching: finalise and present your plan 45 min
16:00 Assessment, evaluation and closing 30 min

Every concept is worked through one running case, a Somali trading business, then applied to your own figures. The timetable is Calibercode's and is followed as written.

From registering to your certificate

What happens, and when.

Now Register Complete the form below. We confirm every place by email, and tell you if the cohort is full.
On confirmation You receive the joining pack The link to join, what to prepare, and a short note on the records worth digging out.
Before day one Gather your records Sales, expense and stock records from your own business, however informal. A notebook is enough. This is what makes the exercises yours rather than a case study.
13 to 15 October Three days, live Twenty four contact hours. Seventy per cent of it is practical: worked examples, your own figures, and coaching.
Day three, afternoon Your ninety day plan One to one coaching to finish and present a prioritised plan for your own business, then a short assessment.
After Your certificate, if you want one A Certificate of Completion recording attendance and your assessment score, co-signed by Isnaad and Calibercode. Optional, US$30.

Cost and certificate

Free to attend.

There is no charge for the programme itself. If you would like a certificate at the end, a US$30 certification fee applies, which covers marking your assessment, producing the certificate and the administration behind it. The certificate is optional and nobody is required to buy one.

It is a Certificate of Completion of a private programme, co-signed by Isnaad and Calibercode. It records your attendance and your assessment score. It is not a professional qualification and it carries no recognition by any ministry, regulator or professional body.

Please read before registering

This programme is not an application for finance. Attending creates no commitment by Isnaad to lend to or invest in your business, and no commitment by you to borrow from or work with Isnaad. Nothing said during the three days should be understood as an offer or a promise of funding.
Isnaad is licensed for Development Finance by the Ministry of Commerce and Industry of Somalia. It is not a bank, it does not take deposits, and it does not operate a microfinance institution.
Your records stay yours. You are not required to share any document with Isnaad. Whether you do is your choice, and it makes no difference to your place on the programme.

Twenty five places.

Registration closes on 9 October 2026, or when the places are taken. We confirm every place by email. If the cohort is full we will hold your details for cohort 2 in November, unless you tell us otherwise.

Your full name * Business name * Your role in the business Sector Email * Phone (WhatsApp if possible) * City or region Years trading People employed Do you keep written records today?

What do you most want to be able to answer about your business?

Your details and your records Required. I agree that Isnaad may use the details above to administer my place on this programme and to contact me about it. Isnaad holds these details under the Somali Data Protection Act 2023. See the privacy notice. Optional. If, during the programme, I choose to share figures from my own business, Isnaad may keep a copy so that it can follow up with me afterwards about its services. Leaving this unticked does not affect your place, and you can still attend everything.

You can ask us to correct or delete your details at any time by writing to info@isnaad.so. Registering creates no lending commitment in either direction.

Prefer to register by email or WhatsApp? Write to info@isnaad.so or call +252 77 052 7727.