Finance that starts with trust. Grows with you.
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.
Everyone has a turn. Everyone contributes. No one is left behind.
Are you a trusted face in your community? Ziya supports local shopkeepers and agents to:
Earn trust. Build loyalty. Become an anchor in your neighborhood.
We're developing tools that help members acquire essential business assets - ethically and affordably.
Examples include:
No interest. No credit scores. Just progress that fits your pace.
