Building financial infrastructure around communities.

Ziya connects underserved entrepreneurs to capital and productive assets through trusted community networks, technology and data.

Ziya is raising US$5M in growth capital.

Explore the Investment OpportunityDownload Latest Report

Ziya by the numbers.

  • 18,761+

    MSMEs reached

  • 1,580

    Community groups

  • KES171.9M

    Capital disbursed

  • KES107.2M

    Capital repaid

  • 99.5%

    Performing capital portfolio

Figures as of 30 September 2026.Monthly trend, methodology and portfolio detail in our investor reports

Capital should work with the way communities already work.

Millions of entrepreneurs operate through trusted groups, SACCOs and local networks, but remain underserved by traditional finance.

  • COMMUNITYTrusted local networks
  • CAPITALProductive financing
  • TECHNOLOGYDigital infrastructure
  • DATABetter visibility and decisions

We're scaling what already works.

$5M

Investment Opportunity

  • EquityCapital type
  • 24 monthsDeployment period
  • US$500KMinimum ticket
  • Coastal Kenya →Expansion

Target returns and how the US$5M will be deployed are shared in conversation with our team.

Talk to Our Team

Capital flows through the community.

  1. Investor capital
  2. Ziya
  3. SACCOs & community groups
  4. Entrepreneurs & MSMEs
  5. Productive assets & business activity
  6. Repayments
  7. Capital recycled

How we manage risk.

  • GROUPSAccountability & monitoring
  • SACCOSTrusted local relationships
  • VERIFICATIONMember checks
  • ASSETSAsset controls
  • MONITORINGRepayment & portfolio tracking
  • DATAPortfolio oversight

What the portfolio data shows

  • 100%

    Asset repayment

  • 2–3%

    Historical delinquency

  • 0

    Write-offs reported to date

View Impact Reports

Go deeper in our investor reports.

All reports

  • Investor reportSeptember 2026

    September 2026 monthly investor report

    Published 12 October 2026

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    Tell us who you are and the download starts straight away. You'll only be asked once.

  • Investor reportAugust 2026

    August 2026 monthly investor report

    Linked from Impact in Action on the Impact page. Confirm title, date and that it is public.

    Published 9 September 2026

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    Tell us who you are and the download starts straight away. You'll only be asked once.

  • Investor reportMay 2026

    May 2026 monthly investor report

    Published 6 June 2026

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    Tell us who you are and the download starts straight away. You'll only be asked once.

This page is for information only. It is not an offer or solicitation to buy or sell securities, and nothing on it is investment advice. Any investment in Ziya is made only on the basis of formal documentation.

Ready to explore the opportunity?

Ziya is raising US$5M in growth capital.

Talk to Our Team