Contributions, merry-go-round, fines and loans — handled by M-Pesa and a rules engine that never sleeps. No apps to install, no exercise book to reconcile. Your money goes to your chama's till; ChamaHub keeps the books.
Built for the way Kenyan chamas actually work — and the rules they actually live by.
One tap sends an STK push to the member's phone. The payment confirms itself and the receipt number lands in the ledger — no chasing, no receipts to file.
Rotation order is automatic and visible to everyone. Members see who receives this month and exactly when their turn comes.
Your constitution runs as code: late fines, grace days, loan caps and payout blocks fire automatically — every action logged with the rule that triggered it.
Members apply from their phone. Eligibility is checked against savings and arrears before approval, and missed installments are flagged on schedule.
Members get a polite nudge before contributions fall due. Defaulters get flagged to the committee — the system keeps the peace.
Contributions, fines, loans and the cashbook export to CSV for meetings, auditors and the annual general meeting.
No onboarding calls, no paperwork, no waiting.
Name your group, set the monthly contribution and the day it falls due. Sensible rules come pre-loaded — tweak them to match your constitution.
Share a code. Members join from any phone browser — no app store, no downloads. The chair, treasurer and members get their roles.
Members pay from their phone and the books update themselves. Fines, reminders and payouts run on autopilot between meetings.
Every chama has rules. Most are argued about in group chats. ChamaHub turns yours into an engine that runs the group fairly, between meetings, without anyone playing favourites.
Every automated action lands in your chama's ledger with the rule that fired and a notification to the members involved. The committee stays in control — the machine does the thankless work.
Start free. Upgrade when your chama grows.
No card required to start. Cancel anytime. Payable by M-Pesa, naturally.
No. ChamaHub runs in any phone browser, and it works as an installable app on Android and iPhone. The M-Pesa STK push arrives on the member's own phone — they just enter their PIN.
Straight to your chama's M-Pesa till or paybill — the same account you use today. ChamaHub never holds or touches your funds. We record the payment, keep the books and reconcile everything automatically.
M-Pesa confirms every transaction instantly. The contribution is marked paid with its receipt number, the cashbook updates, and the member gets a notification — the treasurer never has to chase anyone for a screenshot.
The rules you set decide: grace days first, then automatic fines, reminders and arrears flags — all applied on schedule and logged in the ledger so the committee can see exactly what happened and why.
For as long as you like. Every report — contributions, fines, loans, cashbook — exports to CSV for meetings and auditors. Most chamas retire the exercise book within a month.
Only your members. Contributions, fines and payouts are visible to the group; loan details are visible to the committee. Every rule change and automated action is logged, so there are no surprises.
Set up in two minutes. Your first M-Pesa contribution will reconcile itself before the group chat even notices.
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