Run your group's savings & loans with confidence
M-Chama replaces manual record books with one simple, secure app — track contributions, manage loans, mark attendance and keep every member informed with automatic SMS updates.
Less paperwork, fewer errors, more trust
Many Self-Help Groups still rely on manual books that are slow to update and easy to lose. M-Chama gives Chairpersons and Secretaries a dedicated digital tool to manage the group accurately — so every member can see exactly where their money is.
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One source of truth. Savings, loans and attendance live in a single, organised place instead of scattered notebooks.
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Accuracy you can rely on. Interest, balances and repayments are calculated automatically, cutting out manual mistakes.
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Transparency for everyone. Members receive SMS updates on their transactions, building confidence in group leadership.
Everything your group needs in one app
Purpose-built tools that digitise the day-to-day running of a Self-Help Group.
Savings Tracking
Monitor member contributions and total group savings growth in one secure place.
Loan Management
Handle applications, disbursements and repayments with automated balance tracking.
Reports & Insights
Generate clear financial summaries and attendance records ready for meetings and audits.
Member SMS Alerts
Keep members informed with automatic notifications for every transaction recorded.
Simple enough for everyday use
An intuitive mobile experience that Chairpersons and Secretaries can pick up with minimal training.
Simple record keeping
Replace cumbersome manual books with quick, structured data entry inside the app.
Effortless attendance
Mark and track member attendance for meetings and activities in seconds.
Manage on the go
Access and update group records anytime, anywhere, from your phone.
Secure data storage
Group financial information is kept safe, private and access-controlled.
Clear financial reports
Produce easy-to-read statements and summaries for every meeting and audit.
Accurate calculations
Automated interest, balances and repayments reduce human error to a minimum.
Get your group started in three steps
From request to running your records digitally — without the steep learning curve.
Request a demo
Tell us about your group and we'll walk you through how M-Chama fits the way you already work.
Set up your group
We register your group and leaders receive secure app credentials to get going right away.
Manage with ease
Record savings, loans and attendance while members stay informed through automatic SMS updates.
Questions, answered
Everything you need to know about M-Chama and how it supports your Self-Help Group.
What is M-Chama and who is it for?
M-Chama is a digital platform built specifically for Self-Help Groups (SHGs). It gives group leaders — such as the Chairperson and Secretary — an easy-to-use mobile app to manage savings contributions, loans, member attendance and financial summaries, replacing manual bookkeeping.
How is this better than manual record-keeping?
M-Chama greatly reduces the time spent on manual calculations and searching through books. It minimises errors common in handwritten records, keeps data securely stored, provides instant access to summaries and reports, and improves transparency through automatic SMS alerts.
Is the app easy for group leaders to use?
Yes. The app is designed around the core tasks SHG leaders perform, with an intuitive interface that needs minimal training. We also provide support resources to help your team get started smoothly.
How do SMS notifications improve transparency?
M-Chama can automatically send SMS alerts to members whenever key transactions occur — a savings deposit, a loan disbursement or a repayment. Every member stays informed about their activity in near real-time, fostering trust and accountability.
Is our group's financial data secure?
Absolutely. Data security is a top priority. We use robust measures to protect your group's information, and access is controlled — typically limited to designated administrators such as the Chairperson and Secretary — ensuring confidentiality and integrity.
What does it cost? Is there a free trial?
We offer a 1-month free trial so new groups can explore every feature. After the trial, we agree on an affordable billing model based on your group's size and needs. Our goal is to deliver value without becoming a financial burden — just reach out after your trial to choose the best plan.
See M-Chama in action
Get a personalized walkthrough focused on your group's needs. Fill out the form and our team will reach out to schedule a convenient time.
What to expect
A short, no-pressure session showing exactly how M-Chama simplifies your group's work:
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Savings & loan trackingEffortless monitoring of contributions and loan cycles.
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Attendance & membersEasy recording and access to member details.
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Reports & summariesInstant insights with clear financial reports.
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SMS transparencyMembers kept informed via automated alerts.
Schedule your demo
Share your details below and we'll contact you shortly to arrange your personalized walkthrough.