For chamas and table banking groups
Chama management software for contributions, table banking and loans
Replace the notebook and the WhatsApp tally with one transparent record. Every member can see what they have paid, borrowed and earned, and officials can see where the group stands.
The problems we solve
Disputes over who paid what
When records live in one person's book, trust suffers. A shared ledger with receipts keeps everyone on the same numbers.
Chasing contributions
Reminders by phone take time. Schedules, arrears tracking and notifications do the chasing.
Table banking maths
Rotations, bids and interest are easy to get wrong by hand. Cycles and rotation schedules are tracked in the system.
Loans without paperwork
Guarantors, schedules and repayments are recorded against each loan, so nothing depends on memory.
What you get
Contributions and schedules
Regular and general contributions, arrears, and approval workflows for payments.
Table banking cycles
Cycles, rotation schedules, bidding and auctions, and meeting collections.
Savings and loans
Savings accounts, loan products, guarantors, schedules, penalties and repayments.
Meetings and announcements
Schedule meetings, record attendance, and send announcements to members.
M-Pesa payments
Collect with STK Push, and pay out to members through Safaricom Daraja.
Member portal and withdrawals
Members view balances and statements, and request withdrawals for approval.
Cashbook and reports
A cashbook, standard reports and exports for your officials and members.
Max plan extras
Investments, governance voting, accounting and treasury reconciliation, roles and permissions, USSD and the AI assistant.
How it works
Register your chama
Pick the plan that fits your group size and add your officials.
Set contribution rules
Define contribution amounts, cycles and loan products, and add your members.
Collect and track
Members pay by M-Pesa, and every payment lands in the right account.
Plans
Prices are per month and billed annually (20% less than twelve monthly payments).
Chama Pro
KES 4,000 / month, billed annually
- Up to 500 members
- 5 staff accounts
- 1 branch
Chama Max
KES 6,400 / month, billed annually
- Up to 2,000 members
- 15 staff accounts
- 1 branch
Frequently asked questions
Does it support table banking?+
Yes. The Chama service includes table banking cycles, rotation schedules, bidding and auctions, and meeting collections.
How big can our group be?+
Chama Pro supports up to 500 members and Chama Max up to 2,000. See the plans below for staff accounts and features.
Can members pay with M-Pesa?+
Yes. Collections use M-Pesa through Safaricom Daraja, and payments are matched to member accounts.
Do we need technical skills?+
No. Setup is guided, and the member portal is built for phones.
Is ChamaCore a regulated financial institution?+
ChamaCore is software, not a bank, SACCO or regulator. Your organisation stays responsible for its own licensing, regulatory filings and record accuracy.
See ChamaCore with your own group in mind
Tell us about your group and we will show you the parts that matter to you.