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Secure • Transparent • Automated

Chama Management Software Built for Kenya

Track contributions and shares, declare dividends, and keep every member in the loop — automatically. Built for chamas, welfare groups, and investment clubs.

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Chama members reviewing contributions together

About ChamaPoint

Built for Chamas, Not Retrofitted.

ChamaPoint is purpose-built for chamas, welfare groups, and investment clubs — no spreadsheets, no manual reconciliation. Every contribution logged, every share balance visible, every dividend split calculated exactly.

  • Every contribution and share balance logged automatically — no spreadsheets.
  • Dividends split exactly by share, with a full audit trail.
  • Members check their own balance anytime — by app or USSD.
More About ChamaPoint

Bank-Grade Security

M-Pesa Native

Fair Dividend Splits

24/7 Support

A complete chama management system, not just a contributions tracker

Every module your group needs is included in one plan. See how the chama system works.

Contributions & shares

Every contribution posted to the right member's ledger, with share balances that update themselves.

Loans & guarantors

Your own loan products with interest on a reducing balance, applications with guarantors, and repayment schedules.

Dividends

Declare a pool and it is split by share balance, exact to the shilling, visible to every member.

Welfare, fines & merry-go-round

A separate welfare fund with claims, fines for lateness, and a published merry-go-round rotation.

M-Pesa & USSD

Members pay by M-Pesa and it is recorded automatically. Members on basic phones check balances by USSD (short code purchased separately).

Statements & reports

Member statements and AGM-ready reports, exported to PDF or Excel in one click.

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Move your chama off Excel in an afternoon

No card, no contract. Our team helps you bring your records across.

  1. Sign up free

    Register your chama for a 7-day free trial.

  2. Import members

    Upload your member list from Excel. Our team helps with the rest of the setup.

  3. Set your rules

    Contributions, share value, loans, fines and welfare to match your constitution.

  4. Invite members

    Everyone sees their own statement on the app, web or USSD.

One plan. Every feature.

KES 2,500/month, with no per-member fees. Pick a billing cycle that fits your chama.

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Guides for chama officials

Free, practical advice from the ChamaPoint team.

Read all chama guides →

Questions chamas ask before switching

Is ChamaPoint chama software made for Kenya?

Yes. It is built and supported in Kenya, prices are in shillings, members pay through M-Pesa, and members without smartphones can use USSD.

How long is the free trial?

7 days with every feature switched on, and no card required. Start your trial here.

Do you charge per member?

No. One flat price of KES 2,500 a month (or KES 6,750 a quarter, KES 25,000 a year) covers your whole group. See pricing.

We already use Excel. Can we bring our records?

Yes. Import your member list from Excel, and our onboarding team helps you set up the rest of your chama.

All frequently asked questions →

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