Everything your group needs, built in one platform
A comprehensive financial ERP engine designed to automate tracking, scale portfolios securely, and guarantee full transactional compliance — from a 10-member Chama to a 5,000-member SACCO.
Six pillars of group finance
Each module is a fully standalone engine — and they all talk to each other automatically.
Member & KYC Management
Digital onboarding with IPRS verification, KRA PIN, face match, AML screening and full audit trail.
- National ID & passport verification via IPRS
- KRA PIN cross-check integration
- Biometric face-match support
- AML & PEP screening on signup
Loan Engine
Multi-product loans with reducing/flat interest, guarantor workflows, penalty engine and PAR tracking.
- Flexible reducing-balance & flat-rate products
- Multi-tier guarantor approval chains
- Automated penalty & late-fee calculation
- Real-time Portfolio-at-Risk dashboard
M-Pesa Payments
STK Push, C2B reconciliation and B2C disbursements via Safaricom Daraja — zero manual reconciliation.
- STK Push with instant ledger assignment
- C2B Paybill & Buy-Goods reconciliation
- B2C bulk disbursements to members
- Callback verification & retry logic
Savings & Contributions
Monthly dues, target savings, welfare kitty, dividend declarations and share management.
- Scheduled monthly contribution tracking
- Goal-based target savings pools
- Welfare & emergency fund management
- Dividend calculation & share ledger
Credit Scoring
Internal score 0–1000 based on savings history, repayment behaviour and group tenure.
- Automated 0–1000 internal score engine
- Weighted repayment & savings factors
- Group tenure and loyalty bonuses
- Score history timeline per member
Regulatory Reporting
One-click CBK, SASRA and CRB submissions. AML flags auto-detected and workflow-managed.
- SASRA Form 4A automated generation
- CBK financial return exports
- CRB negative listing workflows
- AML flag detection & escalation queue
Platform capabilities
The infrastructure layer that makes every module reliable, secure, and scalable.
Bank-grade Security
AES-256 encryption at rest, TLS 1.3 in transit, role-based access controls, and full session audit logging.
Smart Notifications
Automated SMS & email alerts for contributions due, loan approvals, M-Pesa receipts, and compliance deadlines.
Real-time Sync
Every Daraja callback instantly updates the member ledger — no batch jobs, no overnight reconciliation runs.
Multi-tenancy
Each organisation runs in a fully isolated data partition. One platform, zero cross-group data exposure.
Role-based Dashboards
Separate views for Chairperson, Treasurer, Loan Officer, and Member — each sees only what they need.
Automated Workflows
Loan approval chains, guarantor reminders, penalty triggers, and dividend runs execute without manual intervention.
Analytics & Insights
Group growth trends, loan book performance, savings velocity, and member contribution heat maps.
Configurable Products
Define your own loan products, savings schemes, contribution schedules, and interest rate tables — no developer needed.
Built-in integrations
Native connections to the services your group already relies on — no third-party middleware needed.
Safaricom Daraja
PaymentsSTK Push · C2B · B2C · Balance · Transaction Status
IPRS / Huduma
KYCNational ID, Passport & Alien Card verification
KRA iTax
CompliancePIN validation and tax compliance status checks
Metropol / TransUnion
CreditCRB listing, credit reports and score enrichment
SASRA / CBK
RegulatoryAutomated statutory return generation and submission
SMS Gateway
AlertsAfricasTalking & Twilio for transactional member SMS
How we compare
ChamaCore vs. Excel spreadsheets vs. generic accounting software.
Your members' money deserves fortress-level protection
AES-256 Encryption
All data encrypted at rest and in transit with TLS 1.3.
Role-based Access
Granular permission controls — no one sees more than they should.
AML Monitoring
Real-time suspicious transaction flagging and escalation.
Reliable Cloud Hosting
Hosted on managed cloud infrastructure, with traffic encrypted in transit.
Ready to get started?
Launch your group's digital office today
Set up your group's digital office on ChamaCore. Book a demo and we will walk you through the modules that fit your group.