Hakiba Logo

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.

1

Save for 4 Weeks

Build your savings over a 4-week cycle. No pressure. Save as little or as much as you can.

2

Activate Monthly Mode

Once you hit your savings goal, switch to Monthly Mode for regular payouts.

3

Receive Steady Payouts

Enjoy predictable payouts from your own savings.

4

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.

Hakiba Logo

Save in chama's and Saccos

Hakiba Group Savings

Shared wallet view icon

Shared Wallet View

Everyone in the group can see the savings progress in real-time, ensuring full transparency and accountability.

Admin controlled icon

Safe & Admin-Controlled

Group admins manage withdrawals, goals, and members to prevent misuse and keep things organized.

Flexible contributions icon

Flexible Contributions

Members can save daily, weekly, or whenever they can — no fixed amounts required.

Payout boosts icon

Payout Boosts

Groups that hit their goals qualify for bonuses or early payouts, encouraging teamwork and consistency.

Hakiba Group Savings App Mockup

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.

Get Hakiba on Google PlayGet Hakiba on App Store
Boda rider hustling

Join Our Newsletter

Be the first to know about our latest updates, exclusive offers, blogs and more.

Qiovu Logo

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

Information

FAQBlogSupport

Get The Hakiba App

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

Google Play StoreApp Store