We Are Not Fixing Finance. We're Replacing It.
Across Africa, 300M+ people remain excluded from systems that were never designed for them. Traditional finance ignores informal cash flows, punishes trust-based models, and criminalizes poverty with interest rates that climb past 360% APR.
At Ziya, we are building what comes after that —
A system rooted in community, powered by dignity, and driven by love.
We're not a bank. We're a trust engine.
Built for groups, not just individuals.
Designed for rotation, not accumulation.
Fueled by zero-interest, not profit motives.
users joined our platform
was rotated from just KES 3M
self-managed groups operate with 97% repayment
of members are women
All growth happened with ₵0 marketing spend
This isn't a prototype. It's a proof point.
"People are of two types: either your brother in faith or your equal in humanity."
- Imam Ali (AS)
70% of Kenya's 7.5M MSMEs still can't access fair credit - despite having mobile wallets, customers, and grit.
Finance is broken. Not because it doesn't reach people. But because it doesn't understand them. We're here to make finance relevant again - by building around the systems that already work:
Not apps. Not risk scoring. Not digital debt traps.
Ziya is a community-powered platform that:
We're already supporting real capital growth:
From KES 2,000 to KES 15,000 within weeks - no interest, no shame, no exploitation.
Coming soon: ethical lease-to-own tools and embedded services for productive assets - grounded in the same principles.
Ziya is built on a radical idea:
That finance can serve, not extract. That trust can scale.
That money can be communal - not coercive.
We prioritize:
This is a rebellion against financial apartheid - and an invitation to rebuild from the ground up.
Founder & CEO
Fintech operator turned ecosystem builder. Hassan left unicorn-scale growth to build Ziya - where finance begins with people, not platforms.
Community & Operations Lead
Savings group organizer. Field-tested leader in grassroots finance. Mariam steers Ziya's growth from the ground up - one agent, one group at a time.
Tech Lead
Fintech systems architect with 15+ years in African infrastructure. Comark builds what scales Ziya - with empathy embedded in every layer.
