Who we are
Founded in 2014, Alif has grown into one of the leading fintech companies in Central Asia, and is now growing beyond. Alif offers an ecosystem of in-house developed financial and technological solutions: the most widely used finance app alif mobi, popular Point-of-sales financing payment system, the largest online retail platform alif shop and a cheap, fast and safe remittance system.
Ethical fintech
We are committed to Shariah-compliance across our products and processes. We do not market our values, we simply make them clear to investors and other stakeholders.
Exploring beyond
national borders
EXISTING MARKETS
Tajikistan
Uzbekistan
UAE
expanding to
Pakistan
Saudi Arabia
Bangladesh
Egypt
Indonesia
Send now pay later
Enabling sharia compliant micro finance for UAE expat communities to remit money to their home countries and pay later in a short, flexible terms.
Benefits
for end users
Alif operates by the principles of financial inclusion and financial literacy, aiming to empower people and set up financial freedom
Quick
Urgent loan to send money to family and friends
Single app
One app to check salary balance, request for advance salary and remit
Choice
Choice of flexible payment terms
Inclusive
Access to micro finance for the underbanked population
Shariah compliant
The service complies with the principles of Shariah (Islamic Law)
Fixed fees
Transparent and fixed fees. No extra charges or penalty fees
Benefits
for partners
Create value add and generate additional revenue by enabling SNPL service for your customers
Provide value-added services beyond the basic salary transfer
No operational and technological overhead. Process managed by Alif
No financial obligation or funding. Alif will be providing the funds
Source of acquiring new customers and retaining existing ones
Introduce digital channel if that doesn’t exist
Partner to financial inclusion
Prototype
screens
Prototype
screens
Portfolio
Over 300 000 POS lending users and 90% market share in Tajikistan.
Market leader in Tajikistan and fast growing in Uzbekistan.
Over 45% of POS lending market share in 14 regions of Uzbekistan.
Over 50% of the Visa payments market in Tajikistan.
Over 50% market share in Tajikistan.
Developing the IT sector and reducing brain drain from the country. Over 2500 programmers trained for free.
Enabling sharia compliant micro finance for UAE expat communities to remit money to their home countries and pay later in a short, flexible terms.
Team
A team dedicated to winning the hearts
Contacts
Shafique Ibrahim
CEO
s.ibrahim@alif.holdings
Zuhursho Rahmatulloev
Co-founder of Alif
z.rahmatulloev@alif.tj