How it Works?

We design our products to serve the needs of customers today, tomorrow, and in the future.

A commitment to customers

At Sarmaya, our products are designed to meet people where they’re at. For many, that means having little to no credit history or savings. So we use alternative data to offer financial products that people can access anywhere, without the hassle of judgement of traditional institutions.

Making a lending decision

With the explicit permission of our customers, we analyze smartphone data to determine loan eligibility. Our machine learning algorithms process thousands of data points to create personalized loan options in a matter of seconds.

How Sarmaya loans work

1. Download the app

Use your Android phone to download from the Google Play store.

2. Create your account

Fill out a simple form in under 30 seconds and submit for a quick review.

3. Apply for the loan that meets your needs

Loans are conveniently sent to your mobile money or bank account in minutes.

4. Receive the loan into your account

Repay with your mobile account. Build your credit to unlock larger loans.