A Shariah-compliant Sacco that promises to cushion pastoralists from incurring losses during droughts has opened a second branch in Wajir town. Crescent Takaful Sacco (CTS), the first Shariah-compliant Sacco in Kenya, seeks to engage and provide financial inclusion to the poor in northern Kenya. The Wajir branch is the first outside Nairobi. CTS has various products tailor-made for the arid and semi-arid region such as the Mifugo Kash-Kash product that links pastoral traders to potential markets. According to the Sacco’s Chairman Hassan Bashir, livestock traders are eligible for up to 70% financing through the product. The product is mainly delivered using the Islamic contracts of Mudharaba and Musharaka. In both contracts, the profit share is pre-agreed upfront and a distinct profit margin is charged on each delivered transaction.