Home / Chama Management System
Contributions, shares, loans, welfare, fines, merry-go-round and dividends, with M-Pesa and USSD built in. Every member sees their own balance. The treasurer stops doing sums at midnight.
No card required · Excel import · Setup help included
A chama management system is software that keeps every record a chama depends on in one shared, trusted place: who has paid their monthly contribution, how many shares each member owns, who has borrowed and what they still owe, which fines are outstanding, what the welfare kitty holds, whose turn it is on the merry-go-round, and how much each member gets when dividends are declared.
Most Kenyan chamas still run on a treasurer's notebook, an Excel sheet and a WhatsApp group full of M-Pesa screenshots. That works for the first year. Then the group grows, a loan is disputed, a member asks why their balance is different from last month, and nobody can find the answer without an hour of scrolling. Good chama software removes that doubt: every shilling is recorded once, against the right member, with a date and an audit trail.
ChamaPoint is a chama system built in Kenya for Kenyan groups. It speaks M-Pesa, works over USSD for members on feature phones, and follows the way chamas actually run: monthly contributions, shares, table banking loans with guarantors, welfare contributions, fines for lateness, and an annual dividend share-out.
One plan includes every module. Switch on the ones your group uses and leave the rest off.
Monthly, weekly or one-off contributions posted to each member's ledger, with share balances that update themselves. How to track contributions.
Loan products with your own interest rate and term on a reducing balance, applications, guarantors, individual and group loans, and repayment schedules. Setting loan rules.
Declare a dividend pool and ChamaPoint splits it by share balance, exact to the shilling, with every member able to check their own share. How dividends are calculated.
A separate welfare fund with its own categories and claims for bereavement, hospital bills or celebrations, so welfare money never mixes with savings.
Record fines for late payment or missed meetings, and track what has been paid. Members see their own fines, so there is nothing to argue about.
Set the rotation order and payout schedule, and everyone can see whose turn is next and who has already received.
Members pay through M-Pesa and the money lands against the right member and the right account, with no matching of SMS messages by hand.
Members check balances, statements, loans and fines themselves on the app or web portal. Members on basic phones use USSD.
Member statements, share balances, savings summaries and member equity reports, exportable to PDF and Excel for your AGM.
Schedule meetings, keep minutes and store the constitution and other documents where every member can find them.
Send meeting notices and payment reminders to every member or to a group, with reusable message templates and scheduled statements.
Bring your member list in from Excel on day one. Give the chair, treasurer and secretary their own logins and permissions.
The same chama system adapts to how your group saves, lends and shares out.
Pool savings as shares, invest in land, T-bills or a business, and share out returns in proportion to what each member put in.
Lend the pooled money back to members at an agreed interest rate, with guarantors and repayment tracking done for you.
Collect monthly welfare, pay out claims fairly, and show every member exactly where the money went.
Rotate payouts on a published schedule with every contribution accounted for before each member's turn.
Most groups are fully set up in an afternoon.
Sign up for the 7-day free trial with your chama's name. No card, no contract.
Upload your member list from Excel, or add members one by one. Our onboarding team helps you get set up.
Choose contribution amounts, share value, loan products, fines and welfare categories to match your constitution.
Members log in on the app, web or USSD and see their own statements from day one.
What changes when your records move out of the treasurer's bag.
| Task | Notebook, Excel & WhatsApp | ChamaPoint |
|---|---|---|
| Recording M-Pesa contributions | Treasurer matches SMS screenshots by hand | Posted to the member's account automatically |
| Member asks "what is my balance?" | Wait for the treasurer to check | Member checks on app or USSD any time |
| Loan interest and repayment schedules | Calculated manually, often disputed | Calculated from your loan product |
| Dividend share-out | Hours of spreadsheet formulas | Split by share balance in one step |
| Treasurer changes | Records handed over, or lost | Full history stays with the chama |
| AGM reports | Compiled by hand the night before | Exported to PDF or Excel |
KES 2,500/month, KES 6,750/quarter or KES 25,000/year. No per-member fees. Try it free for 7 days.
Practical advice for chairs, treasurers and members.
Set up your chama on ChamaPoint today. 7-day free trial, no card required.