We Are Not Fixing Finance. We're Replacing It.
Across Africa, 300M+ people remain excluded from systems that were never designed for them. Traditional finance ignores informal cash flows, punishes trust-based models, and criminalizes poverty with interest rates that climb past 360% p.a.
At Ziya, we are building what comes after that —
A system rooted in community, powered by dignity, and driven by love.
"Before Ziya, I had to borrow from informal lenders at very high interest or skip stock when my fridge broke down. Now I'm in a group where we support each other. I got capital, paid it back bit by bit, and next month, I'm getting a freezer for juice sales. It's not a loan — it's us helping each other grow."
- Rahila Mohammed
