About Us



Mission Statement

Our Vision



About the President

Corporate Responsiblity


UJA, Inc is a progressive, efficient, and customer focused institution. UJA, Inc. has developed a wide range of consumer products, to enhance business and cater to the different segments of society at a cost effective price.

UJA's Mission

UJA Inc's mission is to differentiate ourselves as an institution built on Trust, Integrity, Good Governance, and Commitment to deliver exceptional value to its officers, customers, networks, employees, and our community.

UJA's Mission Statement

To be a leading strong and stable financial institution offering its services with an international presence, delivering quality service through innovative technology and effective human resource management in a modern and progressive organizational culture of meritocracy, maintaining high ethical and professional standards, while providing enhanced value to all of our employees, customers, and contributing to the society we live in.

To develop & deliver the most innovative products at very cost effective prices, manage customer experience, deliver quality services that contributes to brand strength, which in turn establishes a competitive advantage and enhances profitability, thus providing value to UJA's commitment to excellence.

To provide value-added services to our customers
To provide high-tech innovative solutions to meet customer requirements
To create sustainable value through growth, efficiency and diversity
To provide a challenging work environment, and reward dedicated team members
To play a proactive role in contributing towards society
To Reach out and provide financial services to under-served and un-served customer segment.

UJA's team of committed professionals is dedicated to maintaining long term customer relationships through outstanding service and convenience.

Our Vision

To become a dynamic and efficient financial institution providing integrated solutions with the highest economic value added through engaged and motivated People, as well as to become the first choice for all customers.

Our Strategy

UJA's strategy is to achieve good growth through time by diversifying our business base and increasing its presence in markets and segments that are growing rapidly.
This is driven by the administration’s ambition to become one of a handful of universal institutions leading the global financial services industry.

Our strategy is based on the principles of honorability, reliability, investments and growth.

Supporting this are UJA's four strategic priorities;
Build the best network in the USA
Accelerate growth
Develop retail and commercial activities
Enhance operational excellence

UJA's five guiding principles are the key to the way the UJA's business operates;
I. Collaborative Team Work: Working together and achieving collective and individual success.
II. Best people - developing talented colleagues to reach their full potential, to ensure UJA retains a leading position in its the financial services industry.
III. Customer and client focus - understanding customers and serving them brilliantly.
IV. Pioneering - driving new ideas, adding diverse skills and improving operational excellence
V. Trusted - acting with the highest integrity to retain the trust of customers, colleague's agent network and its affiliated companies.





  Excellence in Service

  High Performance

  Innovation and Growth

  Customer Focus


About the President

Mr. Yousuf Shad is the key role in the continued development of UJA Inc.

Mr. Yousuf Shad created UJA, Inc. in the year of 1992 in the State of New Jersey. He has had extensive experience advising on corporate strategy and corporate governance.

In the year of 2004; Mr. Shad extended UJA’s services to the State of New York, and in the year of 2007; Mr. Shad further extended the company’s services to the State of Illinois.

Under Mr. Shad’s leadership, and dedication; UJA, Inc. has received several awards since its existence. Most recently, UJA Inc was awarded a Certificate of Appreciation from the City of Jersey City by the Mayor and the Municipal Council for its exceptional services to the communities. Also, for the past two consecutive years, UJA Inc received its most prestigious award from the US House of Representatives giving us Special Congressional Recognition in the Money Transfer Business.

Mr. Shad also serves on a variety of not-for-profit advisory boards in its home State of New Jersey.

Corporate Responsibility

At UJA Inc, we all have a shared responsibility to do business in ways that respect, protect and benefit our customers, our employees, our communities, and our environment. This responsibility informs everything we do, both as a company and as individuals. Our Corporate Responsibility efforts are defined by and aligned with our core values:

Business is global
As a multi-state organization, we are ever mindful of the impact we can have both locally and even globally. We strive to think and act as a world citizen, following sustainable practices that make our world a better place.

People make the difference
In an industry as dynamic, innovative and complex as financial services, we need the very best employees. We are deeply committed to cultivating an inclusive environment where everyone can succeed based on merit. We believe no barrier should inhibit an individual from performing to his or her full potential

UJA is “special” because of its people – the quality of the team is outstanding.

We take great pride in our people, who are our most valued asset

They are the glue that holds us all together, managing everything across finance, investor relations, data security, legal topics, recruitment and social gatherings.

Thanks to our very talented team they have magically made the seemingly impossible, possible.

Every individual at UJA Inc plays a key role in assuring that we do business according to the highest standards of ethical and responsible conduct. We respect and value diversity in all its forms.

Customers are the heart of everything
Our customers have a right to know that the company they rely on for intelligent information is committed to integrity and to responsible and sustainable business practices. Their trust in us is fundamental to our business.