Chama Management System
Contributions, loans and payouts — organized, transparent, and on M-Pesa
Chamas and table-banking groups run on trust, but trust is hard to keep when contributions, loans and merry-go-round payouts live across notebooks, spreadsheets and WhatsApp messages. Zinen Technologies builds chama and savings-group management software that gives every member a clear, shared record of contributions, loans, interest and payouts — so nothing depends on one person's memory or one exercise book.
Built for Kenya's informal savings groups, table-banking circles, welfare groups and SACCO-style chamas, the system handles member registration, contribution tracking, loan applications and interest, and merry-go-round payout scheduling, with M-Pesa built in so members can contribute and receive payouts directly from their phones.
Everything included in the Chama Management System
The results businesses see
- Every member can see their own contributions, loans and balances at any time
- No more disputes over merry-go-round order or missed contributions
- Loan interest calculated consistently and fairly, every time
- Treasurers save hours previously spent reconciling notebooks and spreadsheets
- Contributions and payouts move by M-Pesa, reducing cash-handling risk
- Clean records make it easier to grow into a registered SACCO later
Built and supported from Nairobi
Zinen Technologies is based at Bazaar Plaza, Moi Avenue, Nairobi. Every chama management system we deploy is configured, tested and supported by a local team who understands how businesses in Kenya operate — including M-Pesa payments and local compliance requirements.
Speak to our Nairobi teamHow Ubuntu Based Community Organisation (UBCO) uses this system
A member-facing savings and loans platform with a separate admin console. Members register, save, and apply for loans against their savings, with the whole flow integrated with bulk SMS and M-Pesa for disbursement and repayment.
Visit ubuntukenya.orgChama Management System — frequently asked questions
Can members contribute and receive payouts via M-Pesa? +
Yes, contributions, loan disbursements and merry-go-round payouts can all move through M-Pesa, with every transaction recorded automatically against the member's account.
Does it handle merry-go-round rotation automatically? +
Yes, the system tracks whose turn it is to receive a payout and keeps a full history so the rotation stays fair and transparent.
Can it calculate loan interest for members? +
Yes, loan interest and repayment schedules are calculated automatically based on the rules your group sets.
Can our group manage more than one chama or welfare fund? +
Yes, treasurers and administrators can manage multiple chamas, table-banking groups or welfare funds from one account.
Can members see their own records, or only the treasurer? +
Members can log in and see their own contributions, loans and balances, while full financial oversight stays with the treasurer or committee.
Ready to bring Chama Management System to your business?
Book a free demo and we'll show you exactly how it fits your workflow — no obligation.