Finance that starts with trust. Grows with you.
1. Group-Based Capital Access
Our core service - built for MSMEs, informal entrepreneurs, and everyday communities. Ziya helps you access capital without interest, collateral, or shame. You grow through your group - one repayment at a time.
How It Works
- Form or join a Ziya group (10+ people you trust)
- A few members receive the first capital
- They repay small daily amounts back to the group
- The next in line receives - and the cycle continues
- After repayment, each member qualifies for more capital
Everyone has a turn. Everyone contributes. No one is left behind.
What You Get
- Access to interest-free capital
- Flat daily repayments - no penalties, no hidden fees
- KES 100/month platform subscription - that's all
- Group dashboard to track progress and turns
- Support from Ziya agents on the ground
- Tools that build financial habits and unlock your next round of capital
2. Ziya for Shopkeepers & Agents
Are you a trusted face in your community? Ziya supports local shopkeepers and agents to:
- Onboard new groups
- Support repayment education
- Guide digital and field-based usage
Earn trust. Build loyalty. Become an anchor in your neighborhood.
3. Coming Soon: Lease-to-Own for Productive Tools
We're developing tools that help members acquire essential business assets - ethically and affordably.
Examples include:
- Electric TukTuks
- Mobile phones
- Small electronic tools
No interest. No credit scores. Just progress that fits your pace.