Guides and resources
Guides for chamas, SACCOs and welfare groups
Practical, plain-language help for Kenyan groups that want clear records and fewer disputes.
Chama, SACCO or welfare group: which structure fits your group?
A plain-language comparison of chamas, SACCOs and welfare groups in Kenya, and how to decide which one matches what your members actually need.
Read the guideHow table banking works: a practical guide for Kenyan groups
How table banking works in a chama: meetings, pooled contributions, loans, interest, fines and the records you need to keep so everyone trusts the numbers.
Read the guideHow to collect chama contributions with M-Pesa
STK Push, Paybill and Till explained for chamas, SACCOs and welfare groups, plus simple habits that keep group money separate and every payment traceable.
Read the guide