Halal Pesa

This is the first Shari’ah compliant, digital financing product powered by MPESA in partnership with Gulf African Bank Ltd. Currently, it is a financing product only and does not have saving, which will be introduced later.

How it works

This product was designed to cater to our Muslim customers who stay out of other lending products since they don’t adhere to Shari’ah law. Shari’ah law does not support/allow taking loans/borrowing money from banks or individuals where interest is charged.

Since Halal Pesa product is based on Shari’ah principles, it operates under Tawarruq model: which basically means that the customer is given a facility and not a loan. For customers who would like to verify the Shari’ah compliance of the product and other product details please visit www.gulfafricanbank.com

Halal pesa is available to All M-PESA registered users.

To commence your registration, go the M-PESA Super App under the “Grow” option, Halal Pesa mini App. For customers without the M-PESA App, download from either the App store or Google play store


  1. Dial *334#
  2. Select Loans and Savings
  3. Select Halal Pesa
  4. Select Register
  5. Check terms and conditions, read and then accept the terms and conditions
  6. Enter your MPESA PIN. You will receive a confirmation message from Halal Pesa

The Halal Pesa limit will be allocated during opt- in process and the customer will be notified via SMS.

The minimum amount allowed is Kshs.1000. One cannot request for an amount less than this. The maximum amount allowed is Ksh.15,000 (for first time customers) & Ksh.20,000 (for repeat customers) subject to customer’s qualifying limit.


Frequently Asked Questions

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