For Kenyan chamas & investment groups
Your chama's money,
on the record.
Chama replaces the WhatsApp group and the paper book with one transparent record of contributions, loans, expenses and meetings — that every member can see.
No card needed. Chama never holds your money — M-Pesa and your bank do.
The problem every chama knows
“Did you receive my money?”
Contributions live in WhatsApp screenshots. Nobody can say with certainty who has paid and who has not.
Loans nobody can track
Interest is worked out from memory. Repayment schedules sit in a notebook that only the treasurer can read.
Trust resting on one person
Members must take the chairperson's word for the balance. One disputed figure can break a group apart.
What Chama does
Built around the one thing a chama cannot compromise on: financial integrity.
Every shilling accounted for
Contributions, loans and expenses post to one cashbook. Confirmed money only — pending entries never inflate the balance.
Two people for every figure
One official records a payment, a second confirms it. Nobody — not even the chairperson — can confirm their own money.
Loans worked out properly
Flat or reducing-balance interest, a real repayment schedule, and repayments allocated penalty → interest → principal.
Members can see for themselves
Each member signs in to view their own statement and the group's position. Transparency without passing round a ledger.
Corrections leave a trail
Nothing is ever quietly edited or deleted. Mistakes are reversed with a reason, and the audit log keeps the history.
Reports ready for the AGM
Member statements, arrears lists, loan portfolio, income and expenditure, cashbook — as PDF or CSV, in one click.
Simple pricing, per group
One subscription covers the whole chama — every member gets their own login at no extra cost.
Bring your chama's records into one place
Set up your group in a few minutes, invite your members, and start this month's contributions on a record everyone can trust.
Create your chama