#1 Chama OS Kenya's trusted chama platform

Digitize your chama in minutes.

MyChama keeps your merry-go-rounds, table banking, and group projects transparent, automated, and auditable. Manage contributions, approvals, withdrawals, and statements from one intuitive workspace.

Available on

Google Play

Direct Android

Download APK

Powering transparent groups

Merry-go-rounds & table banking

Automate approvals, manage loans, and download statements instantly.

50+

Chama templates

24/7

Human support

100%

M-PESA compliant

Umoja Investment Chama Verified Paybill

32 Active Members • Nairobi, KE

Total Group Treasury Balance

KES 2,485,600

+18.4% this quarter • 0 Unreconciled

Daniel K. • Monthly Share

M-PESA Ref: SKE94PL82W • Just now

+KES 15,000

Josephine W. • Table Banking Loan

3/3 Officials Signed Off • Disbursed

KES 50,000

Linda M. • Welfare Contribution

M-PESA Ref: SKD21MN90Q • 14m ago

+KES 5,000

4.9

"MyChama feels like having a CFO in your pocket."

Play Store & Trustpilot

Everything in One Workspace

Best features of our app

MyChama keeps your merry-go-round, table banking, and investment group transparent with modern tooling and human support.

60% Less Admin
Work

Cut manual treasurer admin work by 60%

100% M-PESA Compliant

Replace WhatsApp screenshots and fragile spreadsheets with an automated ledger that updates on every M-Pesa PIN entry.

1 STK Deposit

2 Multi-Sign Off

3 1-Tap PDF

MyContribution

Contribution on the go

Monitor every deposit in real-time so treasurers always know the exact status.

MyLoan

Instant loan workflows

Multi-level approvals and automated SMS reminders keep lending fast yet auditable.

MyStatement

Real-time statements

Export group statements anytime to PDF or Excel for frictionless AGM reporting.

MyWithdrawal

Secure withdrawals

Log every payout with mandatory dual approval and automatic M-Pesa reconciliation.

MyApproval

Custom approvals

Configure one-click or multi-signature approvals depending on the transaction amount.

MySupport

Always-on support

Nairobi-based experts guide your chama verbally, via live chat, or onsite.

Interactive Treasury Estimator

Project your chama's annual capital pool

See how automated M-Pesa collection and structured table-banking loans compound your group's capital while eliminating manual bookkeeping hours.

Zero Default Arrears Alerts Instant Dividend Split

Active Chama Members 30 Members

5 Members 100 200 Members

Monthly Share / Member KES 5,000

KES 500 KES 25k KES 50k

Annual Savings Pool

KES 1,800,000

100% M-Pesa reconciled

Table Loan Yield (10%)

+KES 180,000

Annual dividend growth

Treasurer Time Saved

114 Hours/yr

Zero manual spreadsheets

Ready to launch this template for your group in under 5 minutes? Login to Get Started

Why We Exist

Our mission & vision

We build rails that let every chama stay transparent, well-governed, and fast-moving—without spreadsheets or endless meetings.

Since 2018 • Digitizing Nationwide

Purpose-built for grassroots groups, investment clubs & community organisations.

Whether you run a 15-member family welfare merry-go-round or a 200-member real-estate investment collective, MyChama gives every member bank-grade visibility.

Our Core Pillars

Transparency first Human + tech support Mobile-native Audit ready

Counties active

4.8/5

Support score

KES 1.2B+

Tracked safely

01 • Mission

Deliver trust and tempo for every chama

Provide real-time contribution, approval, and payout workflows.
Remove manual errors through automation and auditable histories.
Offer human support that understands grassroots finance.

02 • Vision

Be the operating system for community finance in Africa

Empower any group to launch digitally in under five minutes.
Surface insights that unlock smarter investments and lending.
Connect Chamas to vetted partners, tools, and capital.

Customer Love

What our customers have to say

Grassroot treasurers, seasoned investors, and community leads share how MyChama keeps their funds flowing.

4.9

1,200+ Active Chamas

Across Play Store & Trustpilot

4.8

"The app runs our merry-go-round like a bank—everyone sees balances, arrears, and approvals instantly."

Daniel K.

Treasurer, Umoja Women Group

Table Banking

"Loan approvals dropped from three days to thirty minutes because MyChama enforces our approval matrix."

Josephine W.

Chairlady, Kilimo Table Banking

Audit-Ready

"Even our auditors love it—every transaction has dual approval and a downloadable statement trail."

Linda M.

Audit Lead, Visionary Invest Club

Video Spotlight

"Watch how Makueni Farmers Collective digitized every payout and cut admin time by 60%."

Charity N.

Programme Manager, Makueni Farmers

Trusted by 1,200+ groups including:

Cooperative SACCOs Enterprise Kenya Women In Tech Africa

Common Questions

Frequently Asked Questions

Quick answers on how we onboard and secure your chama.

Creating a chama workspace takes less than 5 minutes. If you have existing Excel spreadsheets or paper ledger balances, our Nairobi support team helps import your opening member shares and active loans so you don't lose any history.

View all frequently asked questions