What we offer.

Our services span capital, productive assets, financial tools and health, giving members more ways to strengthen their businesses and financial lives.

Start small. Grow through every cycle.

Ziya gives members access to interest-free capital through trusted community groups. Members can start with KES 2,000, repay it over a short cycle, and continue accessing capital as they complete their financing cycles.

How much can I access?

KES2,000

Capital starts from KES 2,000. As you repay and build trust you can access higher amounts. The amount available depends on your Ziya financing terms and your progress through previous cycles.

How long is a financing cycle?

20–30 days

Capital is provided in short repayment cycles, typically 20 or 30 days, depending on the financing arrangement.

How a Ziya financing cycle works.

  1. Join a Ziya group

    Become a member of a trusted Ziya group and complete the required onboarding.

  2. Access your capital

    Once eligible, you can access capital starting from KES 2,000.

  3. Repay daily

    Make your repayments according to your agreed repayment schedule.

  4. Complete your cycle

    Once your capital is fully repaid, you've completed that financing cycle.

  5. Keep growing

    Members can continue through further financing cycles.

Built around short, manageable cycles.

Ziya's model is designed to help members access capital without taking on interest-bearing debt. Instead of one large, long-term sum, members can use short financing cycles to access capital, repay it, and return when they need financing again.

This can help entrepreneurs use capital for things like:

  • Stock and inventory
  • Working capital
  • Small business expenses
  • Business opportunities
  • Other income-generating activities

What makes Ziya different?

  • 0% interest

    Access interest-free financing.

  • Starting from KES 2,000

    Start with a small amount and build your financing journey over time.

  • 20–30 day cycles

    Short repayment periods designed around regular cash flow.

  • Daily repayments

    Repayments are made regularly throughout your financing cycle.

  • Group-based

    Access begins through a trusted Ziya group.

  • Digital tools

    Use Ziya's digital tools to support your financial activity and group experience.

  • More than capital

    Ziya combines financing with financial habits, tools and support designed to help members build stronger businesses.

Who can access Group-Based Capital?

Group-Based Capital is designed for Ziya members who participate in trusted groups. To get started, you need to:

  • Join or form a Ziya group
  • Complete the required onboarding
  • Maintain your repayments

Your Ziya financing journey

  1. Join
  2. Access
  3. Repay
  4. Complete
  5. Grow

Each completed cycle becomes part of your financing journey with Ziya.

Membership starts at KES 100 per month.

Membership fees are separate from capital repayments.

Join a Ziya group and start your journey.

Get Started

Get the assets you need to grow your business.

Ziya provides zero-interest financing that helps eligible SACCO members access productive assets without requiring a deposit.

What can you finance?

Currently available assets include:

  • TukTuks

  • Motorcycles

  • Phones

Who is eligible? Asset financing is currently available to members of eligible SACCOs.

How it works.

  1. Be a SACCO member

    You must be a member of an eligible SACCO.

  2. Choose your asset

    Select from the assets currently available through the programme.

  3. Access financing

    Financing is provided with zero deposit and zero interest.

  4. Repayments are made daily

    Your SACCO chairman makes daily repayments to Ziya on behalf of members, according to the financing structure for your asset.

Financing terms

Each asset has its own price and repayment structure, with repayments made on a daily basis. Pricing varies by asset and is confirmed at the point of application.

  • Zero deposit
  • Zero interest
  • Daily repayment

There may also be additional costs associated with personal accident cover, asset tracking and comprehensive insurance cover.

Proof it works.

  • 133

    Assets financed last quarter

    Including 103 motorbikes and 30 tuk tuks

  • 9

    SACCOs and transport associations financing assets

KES 300 membership. Members pay a KES 300 monthly subscription, in addition to the costs listed above.

Enquire About Asset Financing

Healthcare that works for your community.

Access affordable health cover through Ziya, with healthcare delivered through our network of hospitals and healthcare providers.

Explore Ziya Health

Why Ziya Health?

Illness can place a real financial strain on individuals and families. Ziya Health is being developed to help communities access the medical care they need while making healthcare costs more manageable.

  • AffordableDesigned with the needs of everyday communities in mind.
  • AccessibleConnecting members with participating healthcare providers.
  • Community-basedBuilt for people already connected through Ziya groups.

A simple subscription.

Ziya Health is available to Ziya group members. If you're already part of a Ziya group, you can subscribe to Ziya Health alongside other Ziya services. Your monthly subscription depends on the Ziya services you use.

Not yet part of a group? Learn about Ziya

KES100/ month

Health + other Ziya services

KES200/ month

Health only

Ziya group membership is required.

How Ziya Health works.

  1. Join a Ziya group

    Become part of a trusted Ziya community.

  2. Subscribe

    Choose Ziya Health alongside the other Ziya services you need.

  3. Access healthcare

    Use your health cover through participating healthcare providers.

  4. Get the care you need

    Receive treatment and support according to your cover.

Partner hospitals.

Ziya Health is working with healthcare providers to help members access care.

  • Kilifi County Referral Hospital
  • Nyari Dispensary
  • Ganze Hospital
  • Wadadia Hospital

More support for your health

Subsidized medication for chronic illnesses

Through our MyDawa partnership, Ziya Health members can access subsidized medication for chronic illnesses.

Partner with Ziya Health

Are you a hospital, insurance company or pharmaceutical company interested in partnering with us? We're building a connected health ecosystem that makes healthcare more accessible to communities.

Partner With Ziya Health

Ziya Health is here.

Find out about the cover, participating facilities and how to access care on the Ziya Health platform.

Explore Ziya Health HIS