Modern Management Software for Chamas & Investment Clubs
Retire error-prone Excel sheets, disputed M-Pesa screenshots, and meeting confusion. ChamaFlow empowers your group with live balances, instant passbooks, and automatic turn rotation.
Why 4,200+ Kenyan Chamas Switched to ChamaFlow
End WhatsApp Receipt Clutter
Treasurers waste hours copying M-Pesa codes from WhatsApp groups. ChamaFlow captures Daraja webhooks automatically, matching contributions to member accounts in 0.4 seconds.
Zero Disputed Loan Math
Eliminate emotional arguments during monthly meetings. Amortization schedules, late fine penalties, and partial payments are calculated transparently with complete audit logs.
Automated Merry-Go-Round
Manage rotation schedules, track who has collected the pot, who is up next, and auto-disburse lump sums directly to the next member's M-Pesa account on their scheduled date.
Transition Your Chama in Under 10 Minutes
You don't need to be an accountant or tech wizard to get your group running.
Create Group
Register your Chama name, meeting schedule, and constitution rules.
Add Members
Import your existing members via Excel or invite them via automated SMS link.
Link M-Pesa
Connect your Chama Paybill, Buy Goods Till, or Bank collection account.
Go Live!
Members pay via STK push and receive instant SMS statements automatically.