Get to Know Us

Our Mission, Your Future

Empowering informal workers with simple, reliable financial tools that turn daily hustle into lasting progress.

Our Story

Why We Exist

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Real Problem, Real People

Informal workers are often excluded from traditional financial systems.

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Built for the Underserved

Qiovu exists to fill the gap where banks and payroll apps fall short.

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Equality in Access

Saving systems and financial tools shouldn't be a luxury.

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Solutions from the Ground Up

Hakiba and Hakiba Campus were co-created with everyday hustlers in mind.

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Our Impact

Real Lives, Real Change

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Hundreds now accessing their own money like a salary.

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80% of users report better money habits after a month.

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50+ chamas using Hakiba Groups.

FAQ'S

Need Help? We've Got Answers

Hakiba is a digital platform that helps users manage their savings and learn about financial wellness. It includes tools for goal-based saving, money tracking, and financial education.

You can start saving with Hakiba by downloading our app, creating an account, and linking your preferred savings method. Our intuitive interface will guide you through setting up your first savings goal.

Yes, Hakiba prioritizes your security. We use industry-standard encryption and security protocols to protect your personal and financial information. Your data is safe with us.

Hakiba offers various plans, including a free basic plan with essential features. Premium features and advanced tools may come with a small subscription fee, which is clearly outlined in the app.

If you lose your phone, your Hakiba account remains secure. You can log in from another device using your credentials, and we recommend immediately changing your password for added security.

While primarily designed for individual financial wellness, many small business owners and chamas find Hakiba useful for managing personal savings related to their business. We are also exploring dedicated business features in the future.

Start Learning. Start Earning.
Build the financial skills your hustle deserves.

Gain practical money skills tailored to your daily hustle - from budgeting to smart spending, learn how to grow and manage your income with confidence.

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Contact Information

We are here for you

+254 125 123 58

hello@qiovu.com

Nairobi, Kenya

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Simple, trustworthy financial tools built for everyday earners. From saving to learning — we help you grow your money, one step at a time.

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Manage your money, track savings, and get paid monthly even when you don't.

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