The Future of Ziswaf

Dari Dana Umat, Menjadi Fondasi Ekonomi Rakyat.

USMAN 2.0 mengubah Ziswaf dari sekadar bantuan sosial menjadi mesin inklusi keuangan digital bagi UMKM Mikro yang paling membutuhkan.

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Growth Trajectory +124%

The Journey: From Seed to Evolution

Founded by Itsar & Yumna

2023

MTQMN (Benih Inovasi)

Focus on Maqashid Syariah core principles. Developing the first 'Credit Profiling' framework for unbankable micro-entrepreneurs.

MVP Stage R&D

2026

Evolution (USMAN 2.0)

Scaling Syariah Philanthropy as critical financial infrastructure. Full integration with National Sharia Banking ecosystem.

Infrastructure Scale

Mitra Strategis

Berkolaborasi untuk memperluas dampak sosial dan ekonomi.

volunteer_activism Mitra LAZ (Lembaga Amil Zakat)

account_balance Bank Mitra (Banking Partners)

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The UMKM Heartbeat: Ibu Aminah's Story

"Saya hanya penjual gorengan, bank tidak pernah melihat saya. USMAN 2.0 memberikan bukti bahwa kejujuran saya adalah modal paling berharga."

Melalui digital evidence of honesty, Ibu Aminah mengkonversi catatan harian usahanya menjadi SMI Index yang diakui perbankan untuk mendapatkan permodalan tanpa agunan fisik.

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Inovasi di Balik Layar

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AI-Powered Coaching

Personalized business mentorship via WhatsApp using GPT-4o. Providing real-time advice on pricing, inventory, and marketing.

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Automated Accountability

OCR technology powered by Google Vision API to automatically verify transaction receipts and daily ledgers.

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SMI Index (Core Algorithm)

The heartbeat of our credit profiling. Analyzing creditworthiness based on Maqashid Syariah values.

3 Pilar Maqashid

20%

Tahdzib Al-Fard Self-Discipline & Growth

45%

Iqamah Al-Adl Fairness & Accountability

35%

Jalb Al-Maslahah Public Benefit & Sustainability

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SMI.v2

The Core Algorithm

Robust Infrastructure

Built for scale, stability, and speed.

Laravel 11 Backend

Capacitor JS Mobile

Filament Admin Ops

PostgreSQL Database

Ready to Transform Your Business?

Join thousands of micro-entrepreneurs growing their business with USMAN 2.0. Download the app today and start your journey.

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