Trusted by Kenyan chamas

Manage your chama
smarter, together

Contributions, loans, meetings, elections, and merry-go-round — all in one place. Built for Kenyan savings groups.

Start for free → Sign in
JW
MO
AK
FN
PG
500+ members across 40+ chamas
Features
Everything your chama needs
One platform for all your group's financial activities — no spreadsheets, no confusion.
💰
Contributions tracking
Record and track monthly contributions per member. Automatic late penalty detection with configurable due dates.
🏦
Loan management
Members request loans, the group votes to approve or decline. Auto-approval triggers when votes reach threshold.
🗳️
Leader elections
Run transparent elections for chama positions. Members vote yes or no on each candidate. Results are live.
🔄
Merry-go-round
Manage payout rotation order fairly. Track who has received, who is next, and how far through the cycle you are.
📅
Meeting attendance
Schedule meetings and let members clock in. Late arrivals are automatically penalised to keep everyone accountable.
🔔
Notifications
Members get notified of contributions, loan decisions, meeting schedules, and penalties — all in one inbox.
By the numbers
Built for scale, priced for community
Our groups collect, vote, and meet every day. Here's what that looks like.
40+
Active chamas
500+
Members registered
KES 2M+
Contributions tracked
98%
Uptime this year
How it works
Up and running in minutes
No technical setup needed. Your admin creates the group and members join instantly.
1
Register your account
Sign up with your name and phone number. Your group admin approves your membership from the admin panel.
2
Make your contributions
Record monthly contributions directly from your phone. The system tracks totals, due dates, and late penalties automatically.
3
Participate in group decisions
Vote on loan requests, elect leaders, and attend meetings — all from the same app. Eligible members vote, results are instant.
4
Track your merry-go-round
Know exactly where you are in the rotation. Admins mark payouts complete and the next member is highlighted automatically.
Testimonials
Loved by chama members
Real feedback from groups using Chama every month.
★★★★★
"Before Chama, we tracked everything in WhatsApp and a paper book. Now contributions are recorded instantly and everyone can see the totals."
JW
Jane Wanjiku
Treasurer, Nairobi Pamoja Chama
★★★★★
"The loan voting feature is brilliant. Members vote from their phones and the result is transparent. No more arguments about who approved what."
MO
Michael Otieno
Chairperson, Kisumu United Savings
★★★★★
"Our merry-go-round used to cause drama every month. Now the rotation is clear on the app and no one can dispute who is next."
AK
Amina Kamau
Member, Mombasa Sisters Group

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