For merry-go-round & table banking groups

Every shilling accounted for. Every member seen.

Chama Ledger replaces the exercise book with a shared, tamper-evident record of who contributed, who borrowed, and whose turn it is to receive the pot - so no meeting ends in a dispute over numbers.

Free to start. Your first admin account is created the moment you register.

This cycle's
contribution

The problem with the exercise book

Paper records break down exactly when trust matters most.

Chamas run on trust between members - but trust is hard to keep when the only proof of who paid what lives in one book, in one bag, carried by one person.

"I paid, it's just not written down." A missed entry at a busy meeting becomes a dispute two months later, with no way to settle it.

Disputed collections

Interest calculated differently each cycle. Without a fixed formula, loan interest gets estimated by hand - and rarely the same way twice.

Inconsistent lending

One book, one custodian, one point of failure. If the record book is lost, damaged, or the secretary is unreachable, the group's entire history goes with it.

No shared record

How a cycle runs

The same rhythm your chama already follows - now recorded automatically.

Chama Ledger doesn't change how your group meets or decides. It just makes sure every step leaves a record everyone can see.

Register the group

One founding member registers the chama and receives an admin account instantly - no waiting on approval.

Founding member

Onboard members and assign roles

Add every member with their own login, then create positions - Chairperson, Treasurer, or roles specific to your group - each with exactly the rights they should have.

Group admin

Collect at each meeting

Contributions for the cycle are logged as members pay, by M-Pesa or in person, so the running total is visible to everyone before the meeting ends.

Treasurer, or the member directly

Lend at your agreed rate

Members request loans against the pool; whoever holds approval rights reviews and disburses, with interest calculated the same way every time.

Loan committee / Treasurer

Rotate the pot

Once every member's contribution for the cycle is fully collected, the pot becomes available for withdrawal by that cycle's designated member.

This cycle's beneficiary

Close the period, share the interest

At the end of the accounting period your group agreed on, interest earned is distributed across member shares - visible to every member, down to the shilling.

Group admin

What's included

Built for how chamas actually operate.

Roles your group defines

Create positions beyond the usual Chairperson/Secretary/Treasurer set, and choose exactly what each one can do.

M-Pesa collections

Members pay their contribution straight from their phone via STK Push, using your group's own paybill.

Loans at your rate

Set the interest rate your members agreed on once - every loan after that is calculated consistently.

Merry-go-round payouts

The system tracks whose turn it is and only releases the pot once every member's contribution is in.

A dashboard everyone can check

Membership, total collections, amounts out on loan, and available balance - visible at a glance, on any login.

Real financial statements

Trial balance, income and expenditure, and balance sheet - generated from your actual transactions, not estimated by hand.

Plans

Pick the plan that fits your group's size.

Every group starts free. Upgrade any time your membership grows past what your current plan allows.

Free

Up to 5 membersStart Free

Standard

KES 2,000 / year

Up to 30 membersRegister your group

Money records deserve more care than a shared spreadsheet.

Every entry is tied to the member who made it and the meeting it happened at. Nothing gets edited away.

1 login

per member - no shared passwords, no anonymous entries

Every entry

balances by double-entry accounting, the same discipline banks use

Encrypted

M-Pesa credentials, held per group and never shown in plain text

Bring your chama's records into one place your whole group can trust.

It takes less time to register than it does to run one meeting.