Maadima Guarantees, Debt Collection, Infrastructure Financing, Empowerment Ratings & Personal Loans. Managed Credit and Risk Solutions - Does your credit partner know and understand your industry? Maadima is an enterprise provider of credit risk management and advisory services, established in 2003; offering clients across niche markets with complete credit management and empowerment rating services. The synergistic product range was developed as service offerings geared towards the dynamic of its vibrant target market