Your Shortcut to Consistent Saving.
Hakiba is a simple savings app built by Qiovu, designed to help hardworking Kenyans like boda riders and mama mbogas grow their money safely, one step at a time.
Know exactly where your money is, how it's growing, and when you'll receive it.
No paperwork, no confusing steps. Just clear savings and instant progress.
Turn irregular income into a steady monthly payout — effortlessly.
Group saving makes it easier to stay committed and hit your goals.
No contracts, No guesswork.
Hakiba makes saving feel natural — whether it's small daily top-ups or weekly goals. With every step, your money moves closer to becoming reliable income.
Build your savings over a 4-week cycle. No pressure. Save as little or as much as you can.
Once you hit your savings goal, switch to Monthly Mode for regular payouts.
Enjoy predictable payouts from your own savings.
Withdraw partially or fully without penalties.
Hakiba Campus – Financial Education
We believe in equipping everyone — from first-time savers to financial veterans — with the tools to build sustainable wealth. Hakiba Campus offers bite-sized videos, practical lessons, and real-life stories designed to make financial growth simple and relatable.
Everyone in the group can see the savings progress in real-time, ensuring full transparency and accountability.
Group admins manage withdrawals, goals, and members to prevent misuse and keep things organized.
Members can save daily, weekly, or whenever they can — no fixed amounts required.
Groups that hit their goals qualify for bonuses or early payouts, encouraging teamwork and consistency.
Everyone in the group can see the savings progress in real-time, ensuring full transparency and accountability.
Members can save daily, weekly, or whenever they can — no fixed amounts required.
Group admins manage withdrawals, goals, and members to prevent misuse and keep things organized.
Groups that hit their goals qualify for bonuses or early payouts, encouraging teamwork and consistency.
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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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