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 companies
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 Saudi 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.
Full transparency, moment to moment
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 any HR system
Deductions are made automatically through payroll.
Vesting & rewards programs, 5–10 years
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

A fast integration with your HR system within minutes. Once activated, Eddekhar relies directly on your employee data, and enrollment and deductions happen automatically.

2

Growth and employee retention

Your employees’ savings grow automatically through Shariah-compliant investment portfolios — and every return deepens their loyalty to your team.

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
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

Alongside the core savings program, the Eddekhar platform offers additional financial products and services your company can activate whenever it’s ready.

Invest end-of-service benefits

Turn employees’ future entitlements into an investment that grows today and creates a lasting impact for tomorrow.

Register your interest

Group insurance for employees

Extra benefits that strengthen employees’ sense of security and stability.

Register your interest

Financial literacy workshops

Help your 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 currently chairs the Saudi Fiqh Association. 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 membership of the Shariah committee that prepared the royal-decree Judicial Rulings Code, 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, licensed, 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

Start today

Give your employees a more stable financial future.

A Shariah-compliant savings and investment program, built for Saudi companies.

Get in touch with Eddekhar

Eddekhar team is happy to hear from you

Have more questions or need help?

[email protected]