Capital, built on trust.
Millions of entrepreneurs work hard to build businesses, yet access to fair capital remains out of reach. Ziya is building a different way to access financial services, one that starts with the communities, relationships and trust that already exist.
“People are of two types: either your brother in faith or your equal in humanity.”
Finance should understand people.
Across Kenya, millions of entrepreneurs build businesses through relationships, community networks and informal financial systems, yet formal financial services don't always fit the way they live and work.
The problem isn't simply access to finance.
It's whether finance understands the people it's meant to serve.
Ziya builds around the systems communities already use to support one another.
Built on what already works.
Chamas
Communities built around trust and shared responsibility.
ROSCAs
Collective systems for saving, accessing and circulating money.
Table banking
Communities pooling resources and supporting one another financially.
Group trust
Relationships and accountability that already exist within communities.
Not finance built around algorithms.
Finance built around people.
Technology that strengthens what communities already do.
Ziya combines community-powered financial models with technology to make access to capital simpler, more transparent and more scalable. We don't believe technology should replace community. It should make community-powered finance work better.
Community
Built around trusted relationships and shared accountability.
Technology
Digital tools that make financial services easier to access and manage.
Capital
Access to financial services designed around the realities of entrepreneurs.
What we're building.
Ziya is building a financial ecosystem around the realities of entrepreneurs and communities. Our services span capital, productive assets, financial tools and health, giving members more ways to strengthen their businesses and financial lives.
The people building Ziya.
Ziya brings together people across product, technology, growth, operations and impact to build financial services around the communities we serve.
Hassan Wanjiru
CEO
Linda Ng'ondu
Chief Product Officer
Comark Maloba
Chief Technology Officer
Let's build a financial system that works for people.
Explore Ziya's services, join our community, partner with us or learn more about our impact.