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Start Tracking FinancesWithout the WhatsApp Drama
One missed payment. One forgotten loan repayment. Suddenly nobody trusts each other.
ChamaPro makes every shilling visible to every member—in real time.No more Excel sheets. No more arguments. Just transparency your group can trust.
KES 2.4M
Total Savings
KES 850K
Active Loans
156
Members
94%
Collection Rate
Recent Activity
KES 2,410,500
Group savings
KES 850,000
Loans outstanding
156
Members
94%
Collection rate
Mary W.
Contribution received
KES 5,000
2m
John K.
Contribution received
KES 5,000
9m
Grace A.
Contribution received
KES 5,000
1h
Runs on the tools your group already uses
M-Pesa payments
Daraja STK Push, reconciled automatically.
SMS reminders
Before and after every contribution cycle.
Receipts & statements
Every payment produces a running statement.
Exports & reports
Download reports and member data whenever you need.
Double-entry ledger
Balanced entries behind every group screen.
Role-based access
Every member sees exactly what they should.
One record, many kinds of group
Chamas, SACCOs, companies and individuals each get the same trustworthy ledger, shaped to how they already run money.
Chamas & savings groups
Contributions, merry-go-round, loans, welfare and meetings — in one place your whole group can see.
- M-Pesa reconciliation
- Rotational savings cycles
- Loans & guarantors
- Meetings and minutes
SACCOs & cooperatives
Structured accounts for regulated savings and credit cooperatives, with the reporting that scrutiny demands.
- Member share capital
- Dividend and interest tracking
- Financial statements
- Role-based approvals
Companies & organisations
Employee savings and welfare programmes with the controls finance teams expect.
- Payroll-based contributions
- Employee self-service
- Employer contributions
- Consolidated reporting
Individual savers
Personal goals and a clear record of everything you have put away and earned.
- Savings goals
- Contribution tracking
- Personal statements
- Contribution reminders
The whole group ledger, in one workspace
Everything a treasurer and chairperson need, without stitching together notebooks, spreadsheets and chat threads.
Member management
Onboard members with the details your group actually cares about, and keep them current.
Contribution tracking
M-Pesa payments reconcile against each member’s record, with penalties handled by rule.
Loan management
Applications, guarantors, approvals and repayments tracked end to end.
Merry-go-round
A recorded rotation order everyone can see — no more disputes about whose turn it is.
Meetings & minutes
Schedule meetings, record attendance, capture minutes and follow up on decisions.
Welfare fund
Requests, approval workflows and documented disbursements for members in need.
The rituals you already keep, recorded properly
Merry-go-round rotations, welfare contributions, meeting attendance and fines are first-class in ChamaPro — not bolted on. Record the turn once and the whole group can see whose it is.
Merry-go-round
Rotation order recorded once, visible to every member, with the current turn clear.
Welfare fund
Requests, approvals and disbursements documented like any other account.
Meetings & fines
Attendance, minutes and penalties carried on the same shared record.
What changes when the record is shared
The same group, with one trustworthy ledger instead of five competing versions of the truth.
Without a shared record
- Hours spent reconciling contributions at every meeting
- WhatsApp arguments about whose turn it is
- Spreadsheets for loans and guarantors
- Manual attendance and awkward fine collection
- No one can say what the group is actually worth
With ChamaPro
- M-Pesa payments reconcile against the ledger as they arrive
- Rotation order is recorded once and visible to all
- Members apply, leaders approve, repayments are tracked
- Attendance and fines recorded with a clear audit trail
- Balance sheet and member statements available at any time
Set up in an afternoon
No migration project, no training week. Most groups are recording contributions the same day they sign up.
Create your group
Choose your group type and set the rules — contribution amount, cycle, interest, fines.
Invite your members
Members join by phone or email and get their own view of what they owe and own.
Record every shilling
Collect via M-Pesa, approve loans, run meetings, and watch the ledger stay in balance.
A ledger, not just a record keeper
Under the group screens sits real double-entry accounting. It is the difference between a list of payments and books a group can be accountable to.
Double-entry accounting
Every transaction posts balanced entries to a general ledger, so the numbers always reconcile.
One currency, no confusion
ChamaPro operates in Kenyan Shillings only. No exchange-rate games inside your books.
A visible audit trail
Every contribution, approval and disbursement records who did what, and when.
The shape of a healthy group
Examples from a seeded demo group, not customer claims — ChamaPro is early, and the numbers below show what the ledger keeps hold of.
- 0
- Members on record
- KES 0
- Contributions reconciled
- 0%
- Collection rate
- 0%
- Ledger balance maintained
Deliberately early, and honest about it
ChamaPro is running a closed pilot with a small number of Kenyan chamas. There are no logos on this page yet because there are no customers we can point to — only groups whose treasurers, chairpersons and secretaries are shaping what we build next.
Talk to us about your group
Tell us how your group runs and we will show you exactly how it would work in ChamaPro.
Common questions, straight answers
Frequently asked questions
Can’t find what you’re looking for? Contact our support team.