A Story of Purpose and Transformation

What Do We Believe?

What makes us different?

At Ziya, we're flipping the script. We believe profitability shouldn't compromise utility. Financial systems should serve people, not exploit them. Our foundation is built on love and empathy — we give more than we take, empower communities, and create systems that lift everyone up, especially those at the bottoma of the pyramid.

What Are We Doing About It?

What actions are we taking to change the narrative?

We're building an ecosystem that starts small but is designed to scale big:

• Lease-to-Own Programs: Helping individuals gain asset ownership, starting with TukTuks and scaling to small business loans.
• Empowering Women and Shopkeepers: Providing free loans and tools to strengthen the backbone of low-income communities.
• Innovative Ecosystems: Leveraging technology, behavioral insights, and gamification to create a self-sustaining and inclusive financial model.
• Data-Driven Transformation: Using real-time data to inform credit scoring, understand user needs, and drive impactful solutions.

What Will This Mean for Our Users?

Why will people rally behind Ziya?

Our innovations are built to create trust, loyalty, and lasting impact:

• Free Financial Services: Free loans, payments, and transfers to empower small businesses and individuals.
• Community-Driven Approach: Rewarding positive behavior, building trust with shopkeepers and women, and creating a culture of shared success.
• A Sense of Belonging: With Ziya, users are part of something bigger — a movement to reimagine finance with love, empathy, and purpose.

What Will This Mean for the World?

Why does this matter beyond just our users?

When Ziya scales as envisioned, it will revolutionize financial systems across Africa:

• Creating ecosystems where underserved communities thrive.
• Breaking cycles of inequity by giving people tools for self-reliance.
• Becoming a blueprint for ethical, scalable, and inclusive finance globally.

Timeless Wisdom to Guide Us

What inspires our journey?

At Ziya, we draw from timeless lessons that shape our mission:

Ali ibn Abi Talib (a.s.): "The worth of every person is in what they do well." His words inspire us to value people, act with empathy, and uplift communities with fairness and justice.

Elon Musk: A master of execution, he shows us how bold visions can be achieved through focus and determination.

Steve Jobs: His dedication to simplicity and user-centered design is a guiding light in making Ziya intuitive and impactful.

Ingvar Kamprad (IKEA): Kamprad's ability to create solutions for the many, not just the few, inspires Ziya's commitment to affordability and scalability.