HAL is a direct financing embedded FinTech, specializing in Shariah-compliant financial solutions tailored for Micro, Small, and Medium Enterprises (MSMEs) and individuals. Our mission is to bridge funding gaps for the underbanked by providing accessible, transparent, and impactful financing solutions that empower businesses and individuals alike. HAL is Permitted by the Central Bank of Oman (CBO) to test its innovative products under the Fintech Regulatory Sandbox.