Making It
Making It
Dec 19, 2019
Meet Sarwa Capital: the 20-year-old startup quietly building the infrastructure of consumer finance (Ep 5)
Play • 32 min

Hazem Moussa will forgive you if you’ve never heard of Sarwa Capital, because unless you’re a finance geek (like us), Sarwa is hardly a company whose name you’ll hear every day — even though there’s a reasonable chance Sarwa has been involved in your financial life one way or another. 

They own Contact Cars (the website and the car finance business). They sell insurance, mortgages and leasing solutions— as well as white label finance for car dealers. 

Oh, and they invented the notion of securitized bond offerings in Egypt. 

The son of a prominent diplomat, Hazem is a former investment banker and one of three co-founders. He talked with us about raising money for the business before venture capital was a thing in Egypt. About life after going public on the EGX in a controversial IPO in 2018. And about how he resists micromanaging while still keeping his finger on the pulse of his business.


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** Subscribe to Enterprise, our 6am briefing on business, finance and economics in Egypt (also free) at

Making It is grateful for the generous support of:

CIB, Egypt’s number-one private-sector bank and the partner of choice for CEOs and leaders of businesses at all stages of their growth stories

The United States Agency for International Development, which has a 40 year history of inspiring Egyptian success in partnership with the Government and people of Egypt.

EFG Hermes, the leading financial services corporation in frontier emerging markets helping businesses realize their full growth potential.


* Sarwa Capital:

* Enterprise:

* Inktank:

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