Build your business with Ziya.

Access capital, productive assets and financial services through trusted community groups.

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Who is Ziya for?

Ziya is designed for entrepreneurs and community members looking for practical ways to access capital and grow their businesses.

  • Market Traders

  • Shopkeepers

  • Fishers & Blue Economy Businesses

  • Salon & Service Businesses

  • Boda Boda & Transport Entrepreneurs

  • Small Businesses

Lead your group. Get recognized.

As a Group Leader, you help your members, support repayments and help your group grow.

Ziya Group Leader Incentive Program

  • Earn points for recorded member repayments.
  • Your points can have monetary value and can be redeemed toward your monthly Ziya subscription.
  • Progress through recognition levels and earn rewards.

Want to learn more? Speak to your Field Officer about the program and training.

A Ziya officer leading a community group session

More than capital.

Ziya is building a broader set of financial services around the needs of entrepreneurs and their communities.

Explore Our Services

You don't have to build alone.

Ziya combines the trust and accountability of community groups with technology that makes financial services easier to access and manage.

  1. Your Group
  2. Your Capital
  3. Your Business
  4. Your Community

Built with Ziya.

Elizabeth Nyange: From first capital to business growth

Elizabeth's story follows her journey from accessing her first Ziya financing to using capital to support the growth of her business.

See More Stories

Take Ziya with you.

Access your Ziya services and manage your financial activity from your phone.

Download the Ziya App

Need help? Contact Support

Scan to get the Ziya app on Google Play.

Questions, answered.

What is Ziya?

Ziya is a membership community that helps people build stronger livelihoods through interest-free financing, practical support and opportunities to grow. Members join groups and work together toward greater financial stability and independence.

Who is Ziya for?

Ziya is for people who want to grow their livelihoods and access financial services through a trusted community.

Do I need to join a group to become a Ziya member?

Yes. Membership begins by joining a Ziya group. Groups are an important part of how Ziya supports members and provides access to financing.

Why does Ziya work with groups?

Groups create a trusted environment where members support each other, share experiences and hold each other accountable.

How does Ziya's group financing work?

Members join a trusted group and access interest-free financing. As members repay, capital can continue circulating within the community.

Is Ziya financing interest-free?

Yes. Ziya provides interest-free financing through its community-based model.

What other services does Ziya offer?

Beyond group-based financing, Ziya offers services designed to support members' businesses and livelihoods, including asset financing and health insurance.

How do repayments work?

Repayments are normally made on a daily schedule. If you have an issue with a repayment, contact your Field Officer as soon as possible.

How do I join Ziya?

You need to join a Ziya group and complete the required onboarding. Your Group Leader or Ziya team can guide you through the process.

Ready to build with Ziya?

Find a group, explore our services or talk to our team.

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