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About Wadiaa

Wadiaa is an Omani Fintech company engaged in Crowd-funding/Crowd-lending activities with focus on Equity and Loan-based funding for small/medium enterprises looking to raise capital to recover from a downturn or expand their products and services offering. Wadiaa provides collateral free lending, powered by its alternative risk model that is AI and Machine Learning driven.

We stand for Startup & SME growth enabled by fintech democratized investment via transparency of information. We believe that by providing the society with the technology to be part of bridging the finance gap for Startup & SMEs and at the same time an investment opportunity for the public into otherwise a very difficult and shielded market to access.
Wadiaa aims to be facilitating and integrating between the existing and developing pillars of the startup and SME ecosystem in line with the Omani Vision 2040. We also aim to enable and empower the local community, a significantly misrepresented stakeholder in the current ecosystem.

The Team

Hamza Al Lawati

Founder & CEO

Entrepreneur, Business Integration Specialist, Process Engineer with a passion for Fin-Tech, SME Community Development, Digital Efficiency, Social Investments and Sustainable Economy. Hamza heads the overall strategic direction, development and operations of Wadiaa. Previously, Hamza was responsible for Business Integration at Shell and Engineer at Oman LNG. He has also worked for Shell and partner organisations in the Netherlands and the UK. Hamza has graduated with a Masters in Chemical Engineering from Loughborough University in the UK and holds a Specialised Masters in Management from HEC – Paris.

Dr. Aju Samuel

Co-Founder & Chief Strategy Officer

Entrepreneur, Business Strategist and Startup Mentor with a keen interest in inclusive Fin-Tech. Aju drives the growth and strategy for Wadiaa. He is passionate about developing management talent and tech-enabled startups. Aju is also the Founder of the Performance Factory, a Management Consultancy and also Co-founder of a Health-Tech and an Insure-Tech startups in the US and also Co-founder of KitchenomiKs in Oman. He is a Fellow of the International Compliance Association, holds a doctorate and is also a management graduate from Indian Institute of Management (IIM) – Bangalore.

Mohammed Al Busaidi

Co-Founder and Legal Officer

Lawyer. Mohammed advises and supports Wadiaa on Legal and Compliance matters.

George Philip

Chief Risk & Compliance Officer

Co-founder, Strategy & Operations Specialist and Startup Advisor with a focus on tech-enabled startups. George drives Operations Excellence, Product Development, as well as Governance, Risk and Compliance for Wadiaa. Previously, George was Managing Partner at the Performance Factory and Co-founder of KitchenomiKs. He brings a wide range of functional and management expertise as consultant for some of the prominent banks as well as manufacturing, oil & gas, construction and IT businesses across the USA, Europe, Middle-East and India. He is an Engineer with an MBA from HEC – Paris.

Ahmad Fallatah

Technical Advisor

Entrepreneur, Engineer, Technology Development Manager and Networks Specialist. Ahmad focuses on Technology Strategy and Systems development for Wadiaa.

The Team

Hamza Al Lawati

Founder & CEO

Entrepreneur, Business Integration Specialist, Process Engineer with a passion for Fin-Tech, SME Community Development, Digital Efficiency, Social Investments and Sustainable Economy. Hamza heads the overall strategic direction, development and operations of Wadiaa. Previously, Hamza was responsible for Business Integration at Shell and Engineer at Oman LNG. He has also worked for Shell and partner organisations in the Netherlands and the UK. Hamza has graduated with a Masters in Chemical Engineering from Loughborough University in the UK and holds a Specialised Masters in Management from HEC – Paris.

Dr. Aju Samuel

Co-Founder & Chief Strategy Officer

Entrepreneur, Business Strategist and Startup Mentor with a keen interest in inclusive Fin-Tech. Aju drives the growth and strategy for Wadiaa. He is passionate about developing management talent and tech-enabled startups. Aju is also the Founder of the Performance Factory, a Management Consultancy and also Co-founder of a Health-Tech and an Insure-Tech startups in the US and also Co-founder of KitchenomiKs in Oman. He is a Fellow of the International Compliance Association, holds a doctorate and is also a management graduate from Indian Institute of Management (IIM) – Bangalore.

Mohammed Al Busaidi

Co-Founder and Legal Officer

Lawyer. Mohammed advises and supports Wadiaa on Legal and Compliance matters.

George Philip

Chief Risk & Compliance Officer

Co-founder, Strategy & Operations Specialist and Startup Advisor with a focus on tech-enabled startups. George drives Operations Excellence, Product Development, as well as Governance, Risk and Compliance for Wadiaa. Previously, George was Managing Partner at the Performance Factory and Co-founder of KitchenomiKs. He brings a wide range of functional and management expertise as consultant for some of the prominent banks as well as manufacturing, oil & gas, construction and IT businesses across the USA, Europe, Middle-East and India. He is an Engineer with an MBA from HEC – Paris.

Ahmad Fallatah

Technical Advisor

Entrepreneur, Engineer, Technology Development Manager and Networks Specialist. Ahmad focuses on Technology Strategy and Systems development for Wadiaa. 

BRIDGING THE FUNDING GAP!

Investing in startups is high risk. You can lose all of the invested amount. Hence,
invest only amounts that you can afford to lose

Company

Investing

Fundraising

Legal

www.wadiaa.com is a website owned and operated by AL WADIAA FOR COMMERCIAL OPERATIONS (“WADIAA”), a company formed under the commercial laws of the Sultanate of Oman and offering a crowdfunding marketplace, regulated by the Capital Markets Authority (CMA) of Oman.

By accessing this site and any pages on this site, you agree to be bound by our Terms of Use and Privacy Policy, as may be amended from time to time without notice or liability.

Investments on WADIAA are speculative, illiquid and involve a high degree of risk, including the possible loss of your entire investment. Potential Investors must therefore ensure that you clearly understand the high risk involved and ensure that you are in a financial position to bear the loss of the entire amount of your investment. You must also ensure that you are within the regulatory limits for this type of crowdfunding as per your country of residence.

All investment opportunities made available on WADIAA’ s online marketplace is offered directly from the Fundraiser/ Issuer to the Investor. All securities listed on this site are being offered by the Issuer and all information included on this site is the responsibility of the Issuer of such securities.

Any securities offered on this website have not been recommended or approved by any government body or regulatory authority. WADIAA is neither an investment advisor, nor a registered broker-dealer. WADIAA and its affiliates do not provide any investment advice or recommendation and do not provide any legal or tax advice with respect to any securities.

Investors, while making their investment decision, must rely on their own thorough examination of the Fundraiser/ Issuer, the risks and merits involved, as well as the terms of the offering.

The Fundraiser/ Issuer is fully responsible for the accuracy and completeness of information provided to WADIAA as well as the information displayed on the Campaign pages. Although WADIAA does conduct its own due diligence to ensure the most genuine and best investment opportunities are offered to our investors. This is by no means comprehensive. Hence, WADIAA does not verify the adequacy, accuracy, or completeness of any information. Neither WADIAA nor any of its agents, employees, officers, or directors makes any warranty, express or implied, of any kind whatsoever related to the adequacy, accuracy, or completeness of any information on this site or the use of information on this site.

Fundraisers

Potential fundraisers are strongly advised to consult their legal, tax and financial advisors before fundraising on WADIAA. The securities that you wish to offer must comply with the legal and regulatory requirements in the jurisdiction of registration of the company. You must also ensure that the jurisdiction does not have any restriction to acceptance of funds from the Sultanate of Oman; it is solely your responsibility to comply with the laws and regulations of your company’s jurisdiction as well as that of the Sultanate of Oman.