Guarantee Together · Invest Together · Build Wealth Together
The digital
Chama for your
hard-earned
money.
Join a trusted community where members save, invest, back each other in small amounts, and build wealth together.
How it works
01
Apply & get verified
Sign up in seconds — we verify your KRA PIN and ID instantly, activating your membership automatically.
02
Contribute monthly
Your monthly savings grow safely in an I&M Bank-backed Chama Savings Wallet, building your balance.
03
Borrow with guarantors
Request a loan from the Group Pool — members guarantee it, earn interest, and boost your Credit Score.
04
Track everything in one place
Chama Savings, Welfare, Guarantor and Investor Earnings — every wallet tracked on one dashboard.
One Community. Two Ways to Grow.
Guarantee
Support a member's loan.
Earn your share of interest.
Invest
Put your capital to work.
Earn 80% of generated interest.
Both sides help keep the community's capital moving.
Your Wallets
Every shilling has a purpose. Explore the different wallets that keep your chama organised and growing.
Bank Facility Pool
The group's own accumulated earnings — qualifies the chama for a bank facility of up to 5x its savings.
Chama Savings
Your core monthly savings, growing safely in an I&M Bank-backed wallet.
Welfare & Harambee
Unlock your own welfare balance instantly, then a 7-day harambee helps close the gap.
Available to Guarantee
What you can commit to backing a loan right now — released back as it's repaid.
Guarantor Earnings
Interest earned for backing other members' loans — freely withdrawable anytime.
Available to Invest
Capital ready to fund institutional loan requests, protected by multiple guarantors.
Investor Earnings
Interest earned for funding institutional loan requests — freely withdrawable anytime.
Loan Repayment
Set funds aside here before repaying one of your own active loans.
Our Numbers, Today
No projections, no placeholders — just where our member-owned self-help group stands right now.
3
Counties reached
9
Total active members
0
Available guarantors
0
Available investors