Kikundify App

Peyas Chama App Ltd

About this app

KIKUNDIFY APP – FREE PAPERLESS CHAMA MANAGEMENT

Kikundify App is a FREE (no subscription fee) paperless chama management app designed for friends, families, and any groups to manage their finances transparently.

KEY FEATURES
✔️ Merry‑Go‑Round / Table banking
✔️ Welfare contributions
✔️ Group & individual goal savings
✔️ Use group welfare and goal funds to issue advances to members
✔️ M‑PESA deposits and withdrawals
✔️ Automatic SMS reminders (small fee per SMS – see below)
✔️ Bank‑level maker‑checker model with chairman and treasurer as group managers
✔️ Transaction reports for chama, goals, welfare, and advances – sort, search, and print as PDF
✔️ Change group chairman and treasurer at any time
✔️ Delete groups, goals, welfare funds, or loans where allowed
✔️ Add new members or remove members from your chama
✔️ View rich statistics for chama, welfare, goals, and advances
✔️ Military‑grade encryption – your data is secured with industry‑standard AES‑256 and SSL/TLS protection

HOW IT WORKS
The chairman creates the group, adds a treasurer and members, creates goals and welfare funds, and initiates contributions and member advances. All transactions are logged and fully auditable.

FEES (TRANSPARENT & MINIMAL)
• SMS reminders cost 0.40 KES per SMS – this is the only SMS charge.
• M‑PESA withdrawals: we add a fee of 2 KES per withdrawal (on top of the normal M‑PESA provider rate).
• The app itself is completely free – no subscription, no hidden charges.

IMPORTANT DISCLOSURES
• Kikundify does not lend money or take deposits. All funds remain within the group.
• Advances are made from group savings, not from the app.
• The app enforces a maximum interest rate of 20% on advances.
• Kundi Assets Ltd is a registered Kenyan technology company.

PRIVACY AND SUPPORT
We value your privacy. Your data is encrypted in transit and at rest. Read our full policy at https://kikundify.com/privacy-policy/

For help, contact us:
📞 0786777000 (call/whatsapp)
📧 [e-mail]

What’s new

First release