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Financially secure employees are more committed and consistent at work

The Eddekhar platform enables companies to offer their employees a Shariah-compliant savings and investment program that runs automatically through HR and payroll systems.

Financial stability
Recurring rewards
Continuous growth
Trusted by leading Saudi organizations
Ministry of Communications and Information TechnologyTrustangleanbSilver FoundationSABTachyonTDCOReachware

The more financially stable an employee is, the more committed they are to their work — and the company benefits from a more stable team.

A two-sided platform

Real value for both sides.

For employees

Their money works for them, always.

Eddekhar gives employees a clear view of their financial future — from end-of-service benefits to their personal savings goals.

Automatic Shariah-compliant investing
Savings are invested automatically in approved portfolios.
Multiple portfolios across risk levels
From conservative to active portfolios, employees choose what suits them.
Real-time transparency
A clear dashboard for tracking savings, returns, and vesting.
For companies

Set it up once, and it runs on its own.

Companies that provide real financial wellbeing become the top choice for attracting talent. Eddekhar turns employee benefits from an administrative burden into a competitive advantage.

Launch the program in days, not months
Fast, simple setup with no operational complexity.
Integrates with leading HR and payroll systems
Deductions are made automatically through payroll.
5–10-year vesting and reward programs
Reward loyalty and reduce resignations.
Savings goal
complete0%
this month1,389+

One platform

Connecting company goals with employee aspirations to create lasting value for everyone.

Retention rate0%
Above market average
Platform architecture

Get started in three simple steps

Built on a solid, scalable technical foundation — smooth today and ready for whatever comes next.

HR system integration

A fast integration with your current system that ensures employee data and deductions sync automatically, with no manual intervention.

1

Set it up once, and let it run automatically

Connect your HR system quickly; most companies go live within days. Once activated, Eddekhar relies directly on your employee data, and enrollment and deductions happen automatically.

2

Growth and employee retention

Your employees’ savings are invested automatically in Shariah-compliant portfolios they choose, and an optional company contribution gives them another reason to stay.

3
Eddekhar dashboard — getting startedChoose your HR system
Projected savings impactPerformance summary
My investment portfolioPortfolio growth
Our ecosystem

A complete ecosystem of partners and integrations.

A trusted network of investment partners and HR integrations — so Eddekhar runs smoothly in any environment from day one.

HR systemsInvestment partners
ZenHR
palm.hr
Jisr
Humain
Bayzat
Kayan HR
Oracle HCM
SAP
HR system
anb capital
Derayah
Riyad Capital
Investment partner
Riyad Bank
Investment partner
ادخار eddekhar
Products

Built around your needs

Four benefits your company can offer through one platform, and activate whenever it’s ready.

Workplace savings

A Shariah-compliant savings and investment program deducted automatically from salary, with employer matching.

Register your interest

Discounts & offers

3,000+ exclusive offers at 2,500+ partner stores, so employees spend less on everyday purchases.

Explore discounts & offers

Life insurance for employees

Cover that gives your employees and their families more security and stability.

Register your interest

Financial literacy workshops

Sessions that help employees make more informed, confident financial decisions.

Register your interest
Dr. Hassan Ghalib Al Dailah
Dr. Hassan Ghalib Al Dailah
Chairman of the Shariah Committee
Dr. Hassan Ghalib Al Dailah

Sheikh Dr. Hassan bin Ghalib bin Hassan Al Dailah is an associate professor of graduate studies at the College of Shariah and Law, Jazan University, where he heads the Saudi Fiqh Association branch at the university. He holds a PhD in Shariah and a master’s degree in comparative jurisprudence from Imam Mohammad Ibn Saud Islamic University.

He has contributed prominently to the Kingdom’s legal and academic fields — including serving on the Shariah committee that drafted the Code of Judicial Rulings, established by Royal Decree, and past membership of the International Islamic Organization for Economics and Finance of the Muslim World League. He is AAOIFI-certified as a Shariah supervisor and auditor, with wide contributions across Islamic finance.

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Certified
Shariah compliance

Shariah-compliant. Certified by specialists.

All investment products are supervised by an independent Shariah committee to ensure compliance with the approved Shariah guidelines.

View the Shariah certificate

Three levels of government oversight protect your employees’ savings and your company’s funds.

Regulatory accreditations

A trusted, permitted, compliant ecosystem.

We’ve gathered the most common questions companies ask about the Eddekhar platform — from how it operates and integrates to investments and Shariah compliance — to help you decide with confidence.

FAQ

Everything you need to know before you start

Do employees need investment experience to join?

No. Eddekhar is designed to be simple and easy to use. Employees pick the risk level that suits them, while the investment portfolios are managed by specialized institutions.

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Get in touch with Eddekhar

The Eddekhar team would love to hear from you

Have more questions or need help?

[email protected]