Digitize your group’s savings, loans & meetings
M-Chama replaces paper and spreadsheets with one trusted system — reconciled wallets, loans with guarantors, attendance and fines, automated SMS and instant PDF reports.
Built for transparency, accuracy and trust.
From manual record-keeping to effortless accuracy
Running a savings group on paper is slow, opaque and dispute-prone. M-Chama brings everything into one trusted place.
The old way
- Records kept on paper or scattered spreadsheets
- Balances that don’t reconcile and hard-to-trace errors
- Disputes over savings, loans and who paid which fine
- Hours of manual work to produce a simple report
With M-Chama
- One reconciled system for savings, loans and fines
- Every shilling tracked with a unique reference
- Transparent history members and officials can trust
- Instant PDF reports at group or member scope
Everything your group needs, in one place
Each capability maps to how savings groups actually run — nothing more, nothing invented.
Group savings & wallets
Every member gets a wallet. Deposits and withdrawals are tracked per member and per group, with balances always reconciled.
Loans with guarantors
Configurable loan products, applications, guarantors who back each other, interest, interest-first repayments, limits and overdue tracking.
Attendance & fines
Record meeting attendance and apply automatic fines for absence. Pay fines from a wallet or in cash, with auditable waivers.
Automated SMS
Members receive SMS for key events and loan reminders before due dates — everyone stays informed without manual effort.
PDF reports
Download clean PDF reports for savings, loans and attendance, at group or individual member scope, whenever you need them.
Roles & permissions
Give officials — chairperson, secretary, treasurer — the right access with per-group feature toggles.
Accuracy & audit
Every money movement carries a unique reference. Transaction reversals keep full before/after audit snapshots so mistakes are fixed safely.
Automated billing
The platform handles per-group subscription billing automatically, so administration stays effortless.
One platform, built for how groups work
Officials run everything from the Group Admin app today. A member-facing app is on the way.
Group Admin app
For chairpersons, secretaries and treasurers to run savings, loans, attendance, fines and reports.
App screenshot
Coming soon
Members app
A member-facing app for balances, loan status and updates is in development. For now, members stay informed by SMS.
Up and running in three steps
-
Step 1
Request a demo
Reach out and tell us about your group. We’ll show you how M-Chama fits the way you already work.
-
Step 2
We set up your group
Our team configures your savings, loan products, officials and permissions so you’re ready to go.
-
Step 3
Manage from the app
Run savings, loans, attendance and reports from the Group Admin app — members stay updated by SMS.
Value for officials and members alike
- Less admin — savings, loans and fines update in one place
- Fewer disputes thanks to a transparent, reconciled record
- Instant PDF reports for savings, loans and attendance
- Clear roles and permissions for every official
Financial controls you can rely on
M-Chama is built around accuracy and accountability — the foundations a savings group runs on.
Data protection
Access is governed by roles and per-group permissions, so people only see what they should.
Atomic transactions & reversals
Money movements are atomic, and reversals keep full before/after snapshots so corrections are safe.
Full audit trail
Every transaction carries a unique reference, giving you an auditable history you can trust.
Reliability
Balances always reconcile, so the numbers your group depends on stay accurate.
Frequently asked questions
Ready to digitize your group?
See how M-Chama brings your savings, loans and meetings into one trusted system. Request a demo or talk to our team.