mychama isn't one group's app — it's the platform behind thousands of them. Your chama gets a private workspace for contributions, loans, and decisions, completely separate from every other group on the platform.
Every chama that signs up gets its own private workspace — its own members, ledger, and rules. No group can see another's numbers, and nothing here needs a chama of your own to manage.
mychama platform
Three illustrative chamas, three completely separate workspaces — same platform, no cross-visibility.
The same rhythm your chama already runs on, inside a workspace only your members can see.
Every member's contribution is logged the moment it lands. mychama tracks who's paid, who's due, and sends the reminder before the meeting — not after the excuse.
Group funds sit in one ledger everyone in your chama can see. Members request loans with guarantors, the committee votes, and interest is tracked automatically.
Land, school fees, a business, a wedding — whatever your chama is saving toward, there's a full paper trail nobody has to reconstruct at year end.
Not a generic budgeting app repurposed for groups — every feature maps to a role or a decision your chama already has.
A running balance per member and per round, updated the moment a payment is confirmed.
Members apply, the committee approves, and interest plus repayment schedules track themselves.
A member nominates guarantors for a loan, and they accept or decline right from their own account.
Members pay by STK push straight from their phone. Every transaction reconciles automatically.
Agenda, resolutions, and who showed up — logged and searchable months later.
Put a proposal to the group with a configurable threshold, and keep the outcome on record.
Chairperson, treasurer, secretary, member — each sees exactly what their role needs.
An SMS or WhatsApp nudge before a contribution is due — not after it's the running joke.
Every member of a chama opens the same numbers the treasurer sees. Disputes get shorter when the record is the record — and it never leaves that chama's workspace.
| Member | Contribution | Status |
|---|---|---|
| Faith Njoroge | KSh 5,000 | Paid |
| Peter Kamau | KSh 5,000 | Paid |
| Amina Wanjiru | KSh 5,000 | Pending |
| Brian Otieno | KSh 5,000 | Due 28 Aug |
| Grace Achieng | KSh 5,000 | Paid |
Whatever your group calls itself, the mechanics are the same — contribute, decide together, track it properly. Each type gets its own workspace on the platform.
Contributions rotate to one member at a time, with short-term loans tracked round by round.
Pooled capital for land, shares, or a joint venture — with a clean audit trail as it grows.
Turn-based payouts for members, with everyone able to see whose turn is next.
A smaller circle inside a larger SACCO that still needs its own clear, separate books.
Every chama on the platform picks its own plan, based on how many members it has. Upgrade or downgrade any time — no long-term contract.
No. Each chama is its own private workspace on the platform — members, ledger, meetings, and loans are visible only to people you've added to your chama. Platform staff don't browse chama financial data as a matter of course.
A member taps "Contribute," enters the amount, and confirms an M-Pesa STK push on their phone. The payment is reconciled to the ledger automatically — no forwarded M-Pesa messages or manual entry by the treasurer.
Setting up a new chama takes a few minutes: add your members, set your contribution amount and schedule, and you're recording from that day forward. We're happy to help import your existing member list.
Roles are assigned to the workspace, not tied to one person's device. Hand the treasurer role to a new member and their access updates immediately — the ledger history stays intact.
Plans are billed monthly per chama, and you can change plans or cancel at any time. Your records remain exportable even if you decide to move on.
Set up your chama's private workspace in a few minutes. Plans start at KSh 2,500/month for up to 30 members.