Resources
Free guides for Kenyan chamas
Practical templates, calculators and how-to guides — written for the way chamas actually work in Kenya.
How to Register a Chama in Kenya
What registration actually gets you, what the Social Development office asks for, what it costs, and the one requirement the sources disagree about.
Chama Constitution Template (Kenya)
A complete, ready-to-adapt constitution covering membership, contributions, loans, governance and dissolution — written for Kenyan chamas.
Chama Loan Interest Calculator
Compare flat-rate and reducing-balance interest side by side. Enter your principal, rate and term to see the full repayment schedule in KES.
Merry-Go-Round Record Keeping
How to maintain clear records for a merry-go-round chama — the five registers every group needs and the most common mistakes to avoid.
Need something more?
Chamabora handles contributions, loans, expenses, meetings and reports — so your officials spend less time on paperwork. Free for groups of up to 10 members.
Create a chama