Smart finance, Real Impact
Access quick, halal financing for everyday needs, from bills to business essentials. No interest. No complexity.
Digital & Accessible
Paperless, fully digital finance that reaches both cities and villages. No paperwork, no branches, just simple access wherever you are.
Ethical & Inclusive
Shariah-compliant, riba-free solutions designed for everyone, from women entrepreneurs to gig workers to daily-wage earners, everyone and anyone who qualifies.
Smart & Secure
AI-powered credit evaluation ensures fairness, while secure, transparent systems build trust at every step.
Everyday Needs, Real Solutions
Meeting Your Needs with Precision, Innovative Shariah Based Approach to Simplify Life's Complexities.
Pay utility bills
Buy a sewing machine for a home business
Fix your phone
Pay Rent
Pay School Fees
Cover Health Expenses
Restock Your Shop or Stall
Repair Your Rickshaw or Bike
Buy Exam Prep Books
Buy Kitchen Supplies For a Home Food Business
How Hakeem Works
Unlock instant funds effortlessly by following these streamlined steps:
Get Airtime
Purchase airtime from Hakeem at a deferred price.
Get Cash
If you choose to sell, the buyer pays the market price for the airtime, and the proceeds are credited to your account.
Choose What to Do With It
Sell it as a commodity to an approved buyer within the app.
Repay Over Time
You repay the amount in easy instalments, with a pre-agreed profit, in full compliance with Islamic finance principle.
Know Before You Apply
Use our Shariah-compliant calculator to instantly explore your repayment amount with full transparency and no hidden surprises.
Halal Finance Made Simple
We ensure a seamless, transparent, and fully digital process by making halal financing simpler, faster, and more accessible for everyone.
