For table banking groups
Table banking software for Kenyan chamas
Table banking works when everyone trusts the numbers. ChamaCore records each meeting collection, loan, bid and repayment in one shared ledger, so members and officials always see the same figures.
The problems we solve
Cash counted at the meeting, recorded later
Meeting collections are entered against each member, with a receipt, instead of being copied from a notebook afterwards.
Rotation and bidding done by hand
Cycles, rotation schedules, bids and auctions are tracked in the system, so the order and the amounts are never in dispute.
Loans with no paperwork
Guarantors, schedules, interest and repayments are recorded against each loan, so nothing depends on memory.
Members who cannot see their position
Each member sees contributions, loans and statements on the member portal, from any phone.
What you get
Table banking cycles
Set up cycles with rotation schedules and track each cycle from start to close.
Bidding and auctions
Run bidding and auctions for loans inside the cycle.
Meeting collections
Record what each member brings to the meeting, with receipts.
Loans and guarantors
Loan products, guarantors, schedules, penalties and repayments.
Contribution rules
Configure contribution amounts and due dates for your group, with arrears tracked automatically.
M-Pesa and member portal
Members pay by M-Pesa and check statements on their phones.
How it works
Register your chama
Pick the plan that fits your group size and add your officials.
Set your rules
Define contribution amounts, cycle settings and loan products, then add members.
Meet and record
Record collections at each meeting and let the ledger do the arithmetic.
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
What is table banking?+
Table banking is a savings and lending model where members bring contributions to a meeting, the money is pooled, and members borrow from the pool, usually with interest that grows the group fund.
Does ChamaCore support rotation and bidding?+
Yes. The Chama service tracks table banking cycles, rotation schedules, bidding and auctions, and meeting collections.
How many members can a table banking group have?+
Chama Pro supports up to 500 members and Chama Max up to 2,000. See the plans below for staff accounts and features.
Can we set our own contribution rules?+
Yes. Contribution amounts and due dates are configured by your group in Settings, not fixed by the system.
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.