Your Shortcut to Consistent Saving.
Turn Your HUSTLE
Into a Monthly Paycheck
with Hakiba.
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.
What Guides Hakiba
Our Core Values
Trust & Transparency
Know exactly where your money is, how it's growing, and when you'll receive it.
Simplicity for Everyone
No paperwork, no confusing steps. Just clear savings and instant progress.
Empowerment Through Consistency
Turn irregular income into a steady monthly payout — effortlessly.
Community-Driven Progress
Group saving makes it easier to stay committed and hit your goals.
No contracts, No guesswork.
How Hakiba Works
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.
Save for 4 Weeks
Build your savings over a 4-week cycle. No pressure. Save as little or as much as you can.
Activate Monthly Mode
Once you hit your savings goal, switch to Monthly Mode for regular payouts.
Receive Steady Payouts
Enjoy predictable payouts from your own savings.
Withdraw Anytime
Withdraw partially or fully without penalties.
Hakiba Campus – Financial Education
Smarter with Every Shilling
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.
Save in chama's and Saccos
Hakiba Group Savings
Shared Wallet View
Everyone in the group can see the savings progress in real-time, ensuring full transparency and accountability.
Safe & Admin-Controlled
Group admins manage withdrawals, goals, and members to prevent misuse and keep things organized.
Flexible Contributions
Members can save daily, weekly, or whenever they can — no fixed amounts required.
Payout Boosts
Groups that hit their goals qualify for bonuses or early payouts, encouraging teamwork and consistency.
Shared Wallet View
Everyone in the group can see the savings progress in real-time, ensuring full transparency and accountability.
Flexible Contributions
Members can save daily, weekly, or whenever they can — no fixed amounts required.
Safe & Admin-Controlled
Group admins manage withdrawals, goals, and members to prevent misuse and keep things organized.
Payout Boosts
Groups that hit their goals qualify for bonuses or early payouts, encouraging teamwork and consistency.
Join Hakiba Now
Ready to Turn Your Hustle
Into Income?
Start saving with Hakiba and get steady monthly payouts — no bank account needed. Whether you're a rider or a trader, your hustle deserves predictable income.
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Be the first to know about our latest updates, exclusive offers, blogs and more.
Simple, trustworthy financial tools built for everyday earners. From saving to learning — we help you grow your money, one step at a time.
Get The Hakiba App
Manage your money, track savings, and get paid monthly even when you don't.
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