Save Together · Invest Together · Achieve Together

The digital home for
your chama's money.

A registered welfare group in Nairobi built on member contributions, guarantor-backed lending, and transparent, member-run governance.

How it works

01

Apply & get verified

Submit your details — the Secretary reviews and approves new applications within 48 hours.

02

Contribute monthly

Your savings grow in an I&M Bank-backed Contribution Wallet.

03

Borrow with guarantors

Request a loan from the Group Pool — other members guarantee it and earn interest for doing so.

04

Track everything in one place

Contribution, Welfare, Growth, Goal, and Guarantor Earnings — every wallet, one dashboard.

Guarantee several.
Earn from all.

Split your guarantee capital across several members' loans instead of one — say KES 2,000 spread across five requests, 20% here, 30% there — and earn your 80% interest share from each as they repay. One late payer barely dents a portfolio spread that wide.

KES 2,000 across 5 loans

20%KES 400
25%KES 500
30%KES 600
15%KES 300
10%KES 200

Your wallets

Contribution

Your core monthly savings, earning I&M Bank interest.

Welfare

A mutual-aid pool members top up for emergencies and bereavement support.

Growth

Optional extra savings beyond your monthly contribution.

Goal

Personal savings toward something specific — freely withdrawable anytime.

Guarantor Earnings

Interest earned for backing other members' loans — freely withdrawable anytime.

Officials

Collins Ochieng

Chairperson & Founder

Candy Hellen Atieno

Secretary

Caroline Alice Odongo

Treasurer

Velma Akello Ochieng

Vice Secretary

Rosemary Nabwire Ochieng

Vice Chairperson