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.

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Ethnical fintech

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

checkTajikistan

checkUzbekistan

checkUAE

expanding to

Pakistan

Saudi Arabia

Bangladesh

Egypt

Indonesia

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Send now pay later

Enabling sharia complaint micro finance for UAE resident who wants to remit money to their loved ones in their home country and pay later in 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

SNPL
Quick
Quick

Urgent loan to send money to family and friends

Single app
Single app

One app to check salary balance, request for advance salary and remit

Choice
Choice

Choice of flexible payment term

Inclusive
Inclusive

Access to micro finance for underbanked population

Shariah compliant
Shariah compliant

The service complies with the principles of Shariah (Islamic Law)

Fixed fees
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 their customers

Provide value added services beyond basic salary transfer

No operational and technology overhead. Process managed by Alif

No financial obligations or funding. Alif will be providing the funds

Source of acquiring new customers and retaining existing

Introduce digital channel if that doesn’t exist

Partner to financial inclusion

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Portfolio

alif bank

Providing technology and services based on transparency and client orientation. One of the mosttrusted banks in Tajikistan.

alif bank
alif salom

Over 260 000 POS lending users and 90% market share in Tajikistan.

salom.alif.tj
alif shop

Market leader in Tajikistan and fast growing in Uzbekistan.

alif nasiya

Over 30% of POS lending market share in 14 regions of Uzbekistan.

alifnasiya.uz
alif visa

Over 60% of the Visa payments market in Tajikistan.

visa.alif.tj
alif mobi

Over 50% market share in Tajikistan.

alif academy

Developing the IT sector and reducing brain drain from the country. Over 2000 programmers trained for free.

alif.academy
alif academy

Enabling sharia complaint micro finance for UAE expat communities to remit money to their home countries and pay later in short flexible terms.

alifpay.ae

Team

a team dedicated to winning the hearts

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Contacts

Shafique Ibrahim
Shafique Ibrahim

Product owner

sms

s.ibrahim@alif.holdings

Shafique Ibrahim
Zuhursho Rahmatulloev

Co-founder of Alif

sms

z.rahmatulloev@alif.tj

Any queries?
let us know