A different kind of finance, built around people.

Ziya connects trusted community groups to interest-free capital, productive assets and financial tools designed to help underserved entrepreneurs grow.

Join a GroupExplore Ziya

21 months of building with communities

  • 38,000+

    Capital disbursements

  • 18,761+

    MSMEs reached

  • 1,580

    Community groups

  • KES171.9M

    Capital disbursed

  • 6

    Counties served

Figures as of 31 August 2026.Explore Our Impact

What can Ziya help you build?

  • Grow your business

    Access zero-interest capital through a trusted community group.

    Group-Based Capital

  • Get the tools you need

    Finance productive assets that help your business grow.

    Asset Financing

  • Protect your health

    Access affordable health cover through Ziya.

    Ziya Health
Explore Our Services

Built on trust.

For millions of entrepreneurs, access to capital remains out of reach. But communities already have something powerful: trust. Ziya builds on that trust to make capital more accessible.

  1. Join

    Become part of a trusted group.

  2. Access

    Access capital through your group.

  3. Repay

    Repay as agreed.

  4. Grow

    Capital circulates and your group builds its track record.

Learn How It Works

Interest on Ziya financing

Interest-free. Always.

Members access capital without paying interest on it. Ziya is sustained by a simple monthly membership, starting at KES 100.

How Membership Works

Find your place at Ziya.

  • For Members & Entrepreneurs

    Access capital, assets and financial services built around your needs.

    For Members

  • For Partners

    Connect your community or business to capital, resources and markets.

    Partner With Us

  • For Investors

    Explore Ziya's model, traction and investment opportunity.

    For Investors

Built with Ziya.

Before Ziya, Rahila says she had to rely on high-interest informal lenders or go without stock when her fridge broke down. Through her Ziya group, she accessed capital, repaid it gradually and was preparing to use her next financing cycle to get a freezer for her juice business.

Rahila MohamedJuice business

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Questions, answered.

Can't find what you need? Talk to our team or see all questions.

What is Ziya?

Ziya is a membership community that helps people build stronger livelihoods through interest-free financing, practical support and opportunities to grow. Members join groups and work together toward greater financial stability and independence.

Do I need to join a group to become a Ziya member?

Yes. Membership begins by joining a Ziya group. Groups are an important part of how Ziya supports members and provides access to financing.

Is Ziya financing interest-free?

Yes. Ziya provides interest-free financing through its community-based model.

How do repayments work?

Repayments are normally made on a daily schedule. If you have an issue with a repayment, contact your Field Officer as soon as possible.

How do I join Ziya?

You need to join a Ziya group and complete the required onboarding. Your Group Leader or Ziya team can guide you through the process.

Ready to grow?

Join a Ziya group, explore our services or talk to our team.

Join ZiyaContact Us