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Built for Kenyan Chamas

Your chama,
managed with
confidence.

The complete platform for Kenyan table banking groups. Track contributions, manage loans, run meetings, and grow your investments — all in one place.

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Trusted by 42 chamas across Kenya
app.chamasystem.co.ke/dashboard
Members
24
Contributions
KES 480K
Loan Balance
KES 120K
Fund Balance
KES 360K
Recent Activity
Jane Wanjiku — Contribution+KES 2,000
Peter Kamau — LoanKES 30,000
Monthly Meeting — 15 AprUpcoming
Annual Target
68%
KES 480K of KES 700K
Active loans: 3  ·  Overdue: 1
Trusted by chamas across Kenya
🏦 Table Banking
📱 M-Pesa Ready
🔒 Secure & Private
📊 Full Accounting
🇰🇪 Made in Kenya
Contributions

Track every shilling,
every month.

Record monthly contributions, run bulk entry for all members at once, and automatically identify defaulters. No more spreadsheets.

  • Bulk contribution entry
    Record contributions for all active members in one form submission.
  • Defaulter tracking
    Automatically flag members who have not contributed for any given month.
  • Export & print
    Download contribution reports as CSV or print for your records.
Contributions — March 2026
Total Collected
KES 48,000
Members Paid
18 / 24
Jane WanjikuKES 2,000 ✓
Peter KamauKES 2,000 ✓
Mary AchiengPending
David WereKES 2,000 ✓
Loan Management

Issue loans with full
repayment tracking.

Create loan products with custom interest rates, issue loans to members, track repayments, and get automatic overdue alerts.

  • Flexible loan products
    Configure reducing balance or flat interest, set limits based on contributions or shares.
  • Guarantors & collateral
    Attach guarantors and collateral documents to every loan.
  • Overdue reminders
    Automatic SMS and WhatsApp reminders for late repayments.
Active Loans
Total Issued
KES 180K
Outstanding
KES 120K
Mary Achieng — KES 30KActive
John Mwangi — KES 50KOn track
Grace Njeri — KES 20KOverdue
Repayment rate67%
42+
Chamas registered
9
Powerful modules
3
Notification channels
100%
Web-based, no install
Everything included

Built for how Kenyan chamas work.

One platform replaces your spreadsheets, WhatsApp reminders, and manual ledgers.

Member Management
Track active, suspended, and exited members with their full financial history.
Contributions
Record monthly contributions, bulk entry for all members, and automatic defaulter tracking.
Loan Management
Issue loans with interest schedules, guarantors, and full repayment tracking.
Meetings & Penalties
Schedule meetings, record attendance, and manage fines automatically.
Investments
Track property, shares, and business investments with ROI calculations.
Welfare Fund
Manage welfare claims for hospital, funeral, and maternity support.
AGM & Voting
Run annual general meetings with live digital voting and quorum checks.
Message Board
Group announcements and discussions for all members.
Notifications
SMS, WhatsApp, and email alerts for contributions, loans, and meetings.
Simple setup

Up and running in 3 steps

No technical knowledge needed. No IT team. Just your chama.

1
Register your chama
Enter your chama name, pick a subdomain, and create your admin account in minutes.
2
Add your members
Import via CSV or add members one by one with their phone numbers.
3
Start managing
Record contributions, issue loans, schedule meetings, and track everything in real time.
Simple pricing

Start free, grow with your chama

30-day free trial on all plans. No credit card required.

Basic
KES 500
per month
  • Members & contributions
  • Loan management
  • Meeting management
  • Basic reports
  • Member portal
  • SMS & WhatsApp
  • Investments & welfare
  • AGM & voting
Start 30-day free trial
Most Popular
Standard
KES 999
per month, all features
  • Everything in Basic
  • SMS & WhatsApp alerts
  • Investments & welfare fund
  • AGM & digital voting
  • Full financial reports
  • Double-entry ledger
  • Unlimited members
  • Priority support
Start 30-day free trial
Enterprise
Custom
For large SACCOs & federations
  • Everything in Standard
  • Custom branding
  • API access
  • Dedicated account manager
  • SLA & uptime guarantee
Contact us
All plans include a 30-day free trial — full access, no credit card needed. Cancel anytime.

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