Everything below is included in one plan. New to chama software? See how a chama management system works.
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Track every member's contribution and share balance automatically, with a full ledger for every transaction.
Declare a dividend pool and distribute it pro-rata by share balance — exact, automatic, and auditable.
Every member sees their own contributions, shares, and dividend history — no calling the treasurer.
Contributions and dividend payouts flow through M-Pesa — no manual reconciliation.
Members without smartphones can still check balances and contribute over USSD. ChamaPoint is USSD-ready — your chama buys its own USSD short code separately.
Separate logins and permissions for the chair, treasurer and secretary, plus scheduled member statements.
Loan products with your own interest rate and term on a reducing balance, applications, guarantors, individual and group loans, and repayment schedules.
A separate welfare kitty with categories and claims for bereavement, hospital bills and celebrations.
Record fines for late payment or missed meetings and track what has been paid. Members see their own fines.
Set the rotation order and payout schedule so every member can see whose turn is next.
Schedule meetings, keep minutes, and store your constitution and other documents for members.
Member statements, share balances, savings summaries and member equity, exported to PDF or Excel.
Send meeting notices and payment reminders to all members or a group, with reusable templates.
Bring your existing member list across from Excel on day one, with onboarding help from our team.