Features
Everything your chama needs,
in one place
Chamabora is built around how Kenyan savings groups actually run — one official records, a second confirms, and every member can check the result. No spreadsheets, no WhatsApp threads, no disputes.
The core principle
No one confirms their own money
Every financial entry — contribution, loan repayment, expense — requires two separate officials. The person who records a transaction cannot be the same person who confirms it. This single rule eliminates the most common source of chama disputes.
Members and roles
Add your members, give each a membership number, and invite them by a single-use link. Four roles — chairperson, treasurer, secretary and member — each see exactly what they should. A member's contact details are visible only to officials.
- Invitations expire and can only be used once
- An office requires a verified email address
- A group always keeps at least one chairperson
- Membership numbers issued in sequence, never reused
Contributions
Set your group's rule — weekly, fortnightly, monthly or quarterly — and Chamabora works out what each member owes from the day they joined. Members report their own M-Pesa payment; an official confirms it.
- Expected, paid and arrears per member, at any date
- The same M-Pesa code can never be recorded twice
- Overpayments become a credit against future dues
- Receipt numbers issued on confirmation
- Variable contribution rules for different member tiers
Loans
Applications, approval, disbursement and repayment — each a separate step with its own authorisation. Interest is configurable per group, and the repayment schedule is generated when the money actually leaves.
- Flat or reducing-balance interest
- Eligibility from a multiple of the member's savings
- Repayments applied penalty → interest → principal, oldest first
- A loan can never be disbursed beyond the group's cash
- Overdue alerts sent to the borrower and officials
Expenses and cashbook
Expenses are submitted, approved by a second official, then paid. Only paid expenses touch the cash balance, so an approved-but-unpaid cost never understates what the group holds.
Submit
Any official raises an expense with amount, category and payee.
Approve
A second official reviews. No self-approval.
Pay
Once paid out, the cashbook updates. Never before.
- Categories, payees and receipt attachments
- Reconciliation against cash actually counted
- Opening balance for groups moving from paper
Meetings and governance
A meeting calendar, attendance, minutes, resolutions with recorded votes, and action items with owners. Approved minutes are locked so the record of a decision cannot drift.
- Attendance register per meeting
- Resolutions with votes for, against and abstaining
- Action items with owners and due dates
- Approved minutes are write-locked immediately
Reports and transparency
Every report is generated from the live records. Exports respect who is asking — a member gets their own statement, not everyone's. The audit log is available to officials only, and cannot be edited.
- Member statements, arrears and loan portfolio
- Income and expenditure, cashbook
- PDF for the AGM, CSV for your own analysis
- Members see their own position any time
- Audit log of every financial change, officials only
Member statement
Individual contribution and loan history
Arrears report
Who owes what, and since when
Loan portfolio
All active loans with outstanding balances
Income & expenditure
Monthly summary for the AGM
Cashbook
Every credit and debit in sequence
Audit trail
Full history of changes with who and when
Coming next
The roadmap
M-Pesa auto-collection
Automatic STK push via Safaricom Daraja. Today your officials record and verify codes manually — this automates the collection side.
SACCO module
Share capital, dividends, guarantors, and balance sheet export. For registered SACCOs with more complex financial structures.
WhatsApp reminders
Automated contribution and loan repayment reminders sent via WhatsApp. Reduces arrears without manual chasing.
Ready to see it in your chama?
Set up your group in minutes. Free for groups of up to 10 members — no card needed.
Free for every group until 30 April 2027 · No credit card · Cancel anytime