Ziya

27/05/2025

Meet Aziza Obo,
Everyday, Aziza sets up her food vendor business, preparing golden, crispy snacks that are a favorite in her community. But the growth of her business has been a constant struggle. The daily restock of her ingredients depends highly on her previous day sales which sometimes is not favorable.
That’s where ZIYA stepped in.
Through a ZIYA capital tool, Aziza has been able to consistently plan ahead for business activities to overcome the affordability gap that had kept this critical tool out of reach. The capital injection unlocked a consistent supply chain for her food business.
Today, Aziza not only grows her business but also provides for her family with dignity and stability. Her earnings have grown, and so has her confidence.
ZIYA stood in the gap and Aziza rose.

09/05/2025

Missed the Live Q&A? Catch the Replay!
On May 5, Herbert Rajula hosted a powerful conversation with Hassan Wanjiru, Founder of Ziya Bridge Ltd, on Transforming Financial Access Across Africa 🌍
We explored how ethical and inclusive financial ecosystems can uplift underserved communities and how Ziya is leading the way in unlocking real impact across the continent.
💡 Learn. Engage. Support.
🎯 We’re also raising funds to scale this work and reach more people.
📺 Watch the full recording here:
👉 https://lnkd.in/e2uGXrYe
Thank you to everyone who joined live and contributed to the dialogue. Let’s keep this movement going.

FSD AfricaRenew CapitalAfrican Development Bank GroupMastercard Foundation

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24/04/2025

In our latest article, we delve into the challenges faced by small-scale entrepreneurs in Kenya due to traditional microfinance systems, which often impose high-interest rates and rigid repayment terms.

Read the full article to understand how our ethical financing model is redefining access to capital and enabling entrepreneurs to thrive.

An Article by: E. Stephanie. E

In Kenya, small-scale entrepreneurs often face significant barriers when seeking capital to grow their businesses. Traditional financial systems, characterized by high-interest rates and rigid repayment terms, can exacerbate financial strain rather than alleviate it. Recognizing these challenges, Ziya, a fintech company based in Mombasa, is pioneering a transformative approach to lending that empowers individuals and fosters sustainable economic growth.
🌍 The Traditional Microfinance Landscape: Challenges and Pitfalls
Microfinance institutions (MFIs) have long been heralded as vehicles for poverty alleviation. However, in practice, many borrowers find themselves ensnared in cycles of debt due to:
• High Interest Rates: Microfinance institutions (MFIs) in Kenya typically charge interest rates ranging from 20% to 30%. While some MFIs, offer lower rates, many still charge high rates, especially for smaller loans typically averaging 0.3% per day, this translates to a high annual percentage rate.

• Rigid Repayment Structures: Fixed repayment schedules often fail to accommodate the irregular income streams of small-scale entrepreneurs, increasing the risk of default.

• Lack of Transparency: Hidden fees and complex loan terms can lead to misunderstandings, further exacerbating borrowers' financial challenges.

💡 Ziya's Innovative Approach: Empowerment Through Ethical Financing

Ziya is redefining financial inclusion by offering a model that prioritizes the well-being and growth of its clients:
• Zero-Interest, Tiered Lending: By eliminating interest rates, Ziya ensures that borrowers are not burdened by escalating debt. Their tiered financing system promotes ethical financial solutions tailored to individual needs.
• Asset-Based Financing: Other than just offering zero interest loans, Ziya provides financing for tangible assets like blenders, fridges, or motorbikes. This approach ensures that loans are used for productive purposes, directly contributing to income generation within the respective households.
• Flexible Repayment Plans: Recognizing the fluctuating incomes of small-scale entrepreneurs, Ziya offers repayment schedules that align with borrowers' cash flows, reducing the risk of default.
• Digital Financial Ecosystem: Leveraging technology, Ziya simplifies transactions and empowers customers through a secure and transparent digital platform.
🤝 Join the Movement: Building a Future of Financial Inclusion
Ziya is at the forefront of a financial revolution, offering zero-interest loans to empower entrepreneurs across Kenya. By supporting such initiatives, we can help transform loans from a source of stress into a catalyst for growth and prosperity.
Explore more about Ziya's mission and how you can be part of this transformative journey:
🌐 ziya.co.ke | 📧 [email protected] | ☎ +254736710073

22/04/2025

🌙 | Sharia-Compliant Finance & Ethical Impact 🌱

At Ziya Bridge Ltd, we believe ethical finance should empower, not exploit.
This Tuesday, we’re spotlighting Sharia-compliant financial principles and how they beautifully align with our mission of ethical, inclusive finance:

🤝 No interest (Riba): Instead of profiting from interest, we create value through real partnerships and shared outcomes.
📈 Risk-sharing (Musharakah): We grow together. Our model prioritizes shared success over one-sided gains.
🔍 Ethical investments (Halal): We avoid sectors that cause social or environmental harm because values matter.
🌍 Real assets & social justice: Finance grounded in the real economy and committed to equity? That’s the future we’re building.

Here’s how our work aligns with Islamic finance principles:
🤝 Zero-interest loans (Riba-free): We offer financing that empowers, without interest ensuring our clients aren't burdened by debt traps.
🏍️ Asset-based financing: From blenders for mama mbogas to motorcycles , we fund real tools that build income and dignity.
📈 Shared prosperity: We support women, small business owners, and underserved communities to grow ethically, inclusively, and sustainably.
For us, Sharia-compliance isn’t just a box to tick, It’s a value system that matches our mission: empowering underserved communities through ethical finance.

📢 Let’s reimagine finance, one value-aligned partnership at a time.

Let’s build an economy that uplifts ethically and inclusively.

17/04/2025

🌟 hashtag | Progress, Partnerships & Policy 🌟
At Ziya Bridge Ltd, we believe that access is power — and partnerships make it possible.
This week, we’re actively seeking partnerships with kitchen appliance brands and car dealerships to scale our asset financing model.
Why? Because financial inclusion is not just about cash — it’s about tools that improve daily life and assets that fuel income generation.
🔌 From fridges and blenders for small food businesses
🛵 To two- and three-wheelers for mobility entrepreneurs
We’re creating a system where zero-interest loans turn into real, tangible progress for underserved communities.
Our ask:
📩 If you represent a brand or dealership that believes in inclusive finance — let’s talk.
We’re also pushing forward in our engagement with regulators to co-create policy environments that empower, not exclude.
Let’s shape a financial future that’s simple, ethical, and transformative.
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AcumenFinnfundBambooE4Impact FoundationFord FoundationglobalfundforwomenLGT Venture Philanthropy

16/04/2025

🕌✨ : Let’s Talk About Sharia-Compliant Finance

Did you know that Sharia-compliant finance offers ethical, interest-free financial solutions rooted in fairness, transparency, and social justice?

Unlike conventional finance, Sharia-compliant models:

✅ Avoid interest (riba)
✅ Promote risk-sharing between lender and borrower
✅ Encourage investments in socially responsible and productive ventures
✅ Prohibit financing harmful industries (like gambling or alcohol)

This approach isn’t just for Muslims. It’s a sustainable, inclusive model that can empower underserved communities, promote entrepreneurship, and create dignified access to capital.

At Ziya, we’re committed to ethical finance for all and that includes exploring models that uphold justice and equity at their core.

💬 Have you ever explored Sharia-compliant finance? What would you like to learn more about?

15/04/2025

🚀 Exclusive Investment Opportunity with Ziya Bridge Ltd 🚀

We’re offering a limited-time opportunity to earn a 24% return on your investment.

Ziya Bridge Ltd is committed to ethical finance and empowering underserved communities through innovative financial solutions. Whether you're an impact-driven investor or someone seeking meaningful returns, this is your chance to partner with a purpose-driven fintech.

📅 Offer valid for investments made between April and June
📍 Lock-in period: Minimum 1 year

📞 Contact us at: +254736710073
📧 Email: [email protected]
🌐 Website: www.ziya.co.ke

Let’s grow together — Ethical Finance, Empowered Futures

09/04/2025

🌱 What does it really mean to finance ethically?
At Ziya, ethical financing isn’t just a buzzword—it’s our foundation.

We believe finance should be built on trust, transparency, and impact. That means:
✅ Zero-interest loans for women
✅ Products designed for dignity, not debt
✅ Tiered support that meets people where they are
✅ Faith-aligned solutions that uplift communities

In a world where traditional finance often leaves people behind, we’re flipping the script—by putting people first. 💛

Let’s redefine what “return on investment” looks like: resilient households, empowered women, and thriving communities.

📢 We want to hear from you:
What does ethical financing mean to you? Drop your thoughts below ⬇️

04/04/2025

🌍 Join Us for an Exclusive Webinar with Ziya! 🌍

We are excited to invite you to an exclusive webinar hosted by Ziya, where our founder Hassan Wanjiru will be showcasing our mission to build interconnected financial ecosystems that empower underserved communities across Africa.

🌱 What to Expect:

Insightful discussions on how strategic investments can drive lasting impact.

- An elaborate discussion on how you can be part of this journey.

- A deep dive into our high-impact programs and the transformative power of ethical financing.

- How Ziya is redefining financial inclusion and creating opportunities for marginalized communities.

Don't miss this opportunity to learn how you can be part of shaping Africa’s financial future. Together, we can make a meaningful difference.

📅 Date: Monday, 07th April, 2025

Time: Mar 31, 2025 08:00-08:45 PM Nairobi

Join Zoom Meeting:https://lnkd.in/dJm96Myx

Meeting ID: 881 5390 1916

Passcode: YGLqy4

Stay tuned!

03/04/2025

🚀 Exciting Updates from Ziya! 🚀
At Ziya, we're making strides in ethical financing and expanding opportunities for women entrepreneurs. Here’s what’s happening:
✅ Strengthening Mobility Partnerships – We're actively engaging with 2 and 3-wheeler suppliers, progressing through due diligence to establish strong working relationships.
✅ Expanding Access to Essential Tools & Appliances – We're pursuing partnerships with partners to provide smaller ticket assets like blenders, freezers, juicers, welding machines, grinders, and tool kits—empowering businesses with the right equipment.
📢 Join Us for Our Investor & Partner Webinar! 📢
🗓 Webinar Details:
· Topic: Exclusive Webinar: Unlocking Strategic Impact with Ziya
· Time: April 7th, 2025 08:00-08:45 PM Nairobi
· Meeting: https://us05web.zoom.us/j/88153901916?pwd=HlFmViRQdqMyUYYUi69g6sAU3uO4w81
· Meeting ID: 881 5390 1916
· Passcode: YGLqy4
We’re inviting potential investors and partners to gain deeper insights into our mission and explore opportunities to collaborate. Don't miss out!

Zoom is the leader in modern enterprise video communications, with an easy, reliable cloud platform for video and audio conferencing, chat, and webinars across mobile, desktop, and room systems. Zoom Rooms is the original software-based conference room solution used around the world in board, confer...

02/04/2025

🚀 : Powering Dreams,
🚀One Loan at a Time!
At Ziya, we’re flipping the script on financial inclusion—no barriers, no limits. Just ethical, impact-driven finance fueling Africa’s entrepreneurs.

💡 Why Ziya?
✨ 100% repayment rate in 2025 – Trust + impact = unstoppable growth.
✨ 30,000+ loans by 2026 – Small businesses, BIG wins.
✨ Next-gen fintech ecosystem – Lending meets payments in a closed-loop economy.

🌍 From Mombasa to the Nation
We're not just scaling. We’re building a movement—bringing ethical, asset-backed lending to every corner of Kenya by 2027.

📢 Join the Impact Revolution!
🚀 Be part of our $1M investment round to supercharge disbursements, fintech innovation, and operational growth.

💬 Let’s talk: How can fintech drive real change for Africa’s entrepreneurs? Drop your thoughts below! 👇

26/03/2025

At Ziya, we believe that financial empowerment should be rooted in fairness, ethics, and shared prosperity. Our financing framework is inspired by principles that foster balance and integrity.

Ziya’s model goes beyond just financial transactions. We are driven by trust, honesty, and transparency, creating a system where the success of our partners is built on mutual respect and shared growth.

With Ziya, financing isn’t just about loans. It’s about nurturing relationships, cultivating trust, and contributing to a vision where everyone prospers.