Run your chama's money with confidence.
Contributions, loans, expenses and member statements in one place — with proper accounts behind every shilling, approvals for every payout, and a portal where each member sees their own balance.
1 chama is already on the platform. Works on any phone, tablet or computer.
Everything your chama needs, in one platform
Built from a real self-help group ledger and an accountant's checklist — not a spreadsheet with a login.
Members & officials
Member register with ID, phone and next of kin, documents, membership history, and roles for chairperson, treasurer, secretary, committee and auditor.
Contributions & arrears
Monthly and special contributions with effective-dated rates, exemptions, pay-ahead, automatic arrears and numbered receipts.
Loans that add up
Loan products with flat or reducing-balance interest, guarantors, approvals, repayment schedules, penalties, early settlement and restructuring.
Real accounting
Every shilling posts a balanced double-entry journal. Trial balance, income & expenditure, balance sheet and cashbook — always in agreement.
Cash, bank & M-Pesa
Separate books for cash, bank and M-Pesa, transfers that never inflate income, and reconciliation to your statements.
Approvals & audit trail
Maker-checker approvals for loans and expenses, reversals instead of deletions, period locking and a full audit log.
Member self-service
Members log in on their phone to see savings, loans, due dates, receipts and statements — and apply for loans online.
Bring your Excel ledger
Upload your existing workbook into a staging area, check it against your totals, then post opening balances in one controlled step.
Built for every kind of chama
Pick your group type when you register. You set your own contribution amounts, loan rates, approval rules and fund types — the system does not assume them.
How it works
Register your chama
Fill in the group's details and create the administrator login. Your chama gets its own private space — no other group can see your records.
Set your rules, bring your data
Add contribution types and loan products, then upload your Excel ledger. Check the totals against your books and post your opening balances.
Officials record, members see
The treasurer records payments and issues receipts; the chair approves loans and expenses; every member logs in with their phone number to see their own statement.
Logging in
Officials log in with the phone number or email the chama administrator registered for them.
Members get a login from their treasurer or administrator (Members → Portal access) and log in with their phone number.
Belong to more than one chama? One login, then choose the chama.
Plans
Every chama starts with a 14-day free trial. Prices in Kenya shillings per month.
Starter
- Up to 30 members
- Contributions, loans and expenses
- Double-entry accounts and reports
- Member self-service portal
Ready to move your chama off paper and spreadsheets?
Register in two minutes. Bring your Excel ledger with you.