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Safely store and access your credit history and other important records wherever you go

Hawiyati is a personal Digital Identity that allows you to securely store and access your most important records, such as your identification documents, credit history, employment history, and education and training certificates, wherever you go – somewhere else in the Middle East, home, or elsewhere. Hawiyati is designed to help economically active populations on the move to build a digital history that they can use to gain access to credit, employment, and education.

Hawiyati is currently in the pilot phase and will be made available to the wider public in late 2020. The initiative is managed by Making Cents International, in partnership with Microfund for Women, Tamweelcom, the International Rescue Committee in Jordan, Al Majmoua in Lebanon, and the First MicroFinance Institution Syria in Syria.


Partners Include:


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First MicroFinance Institution Syria

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Hawiyati is currently powered by the BanQu digital identity platform and has been financed by SANAD – the MENA Fund for Micro, Small and Medium Enterprises, FMO, and RTI International.

For Users

Need Help?




Contact your enrollment agent for basic assistance with the platform:


Microfund For Women

238 B, Wadi Saqra - Arar Street, Amman, Jordan

00962 6 566 6100,


International Rescue Committee

Al-Sharif Naser Ben Jamil St. 12, Amman, Jordan

00962 7 7852 4152



Al Rahmanieh neighborhood - Khair Al Din St. Al Jurisat Center (2) Complex- Building #29

00962 6 5354336


Al Majmoua

Spears, Abdel Kader Street, Green Building, 1st Floor, P.O. Box: 11-3483, Beirut, Lebanon

+961 1 360 916, +961 3 621 616, 



For Partners

Want to learn more? Contact Making Cents to learn more about the status of the pilot and how you can participate at