ChamaPoint is a digital record-keeping and member-management platform built for chamas, welfare groups, and investment clubs in Kenya.
Replace paper registers and WhatsApp spreadsheets with a single, secure app your whole group can trust:
SAVINGS & SHARES
Track every member's contributions and shares in real time. Deposit directly via M-Pesa — no manual recording, no end-of-month reconciliation headaches.
LOANS
View your loan balance, repayment schedule, and loan limit at a glance. Repay instantly via M-Pesa STK push.
MERRY-GO-ROUND
Run rotating savings schemes with full visibility — see whose turn is next, track contributions per round, and pay in directly from the app.
WELFARE & FINES
View your welfare fund coverage and claims, and settle fines on the spot via M-Pesa — all without needing to catch the treasurer in person.
BUILT FOR HOW CHAMAS ACTUALLY RUN
Each chama manages its own members, its own M-Pesa till, and its own records — fully separate from every other group on the platform. Admins and officials (chair, treasurer, secretary) get dedicated tools to manage members, approve loans, and keep the books straight.
Your data stays yours. ChamaPoint never holds your group's funds — contributions and repayments go straight through your own chama's M-Pesa account.
Your chama's savings, loans & merry-go-round — pay instantly via M-Pesa.