Easy to use
Every role sees a short menu containing only the tools needed for its work.
A Kenyan platform for organised chamas
Run your chama with less work and more clarity.
Keep contributions, savings, loans, meetings and member records together—without complicated spreadsheets or crowded menus.
✓ Role-based dashboards✓ Clear financial records✓ Kenyan support
Current contribution cycleKES 40,00018 of 20 members complete
Clear and accurate
Members and officials can follow contributions, balances and decisions from one place.
Secure by design
Permissions, protected approvals and audit history support accountable operations.
How it works
Start your chama in three clear steps.
There is no need to learn the whole platform at once. Pamoja reveals the right tools as each person needs them.
Create or register
Set up the chama and its authorised officials.
Invite members
Members join securely and receive their personal dashboard.
Manage together
Track money, meetings, loans and reports with a complete history.
A calmer dashboard
Important information first. Detailed tools only when requested.
Members see balances, contribution status, upcoming meetings and recent alerts. Officials and platform administrators receive additional panels matched to their responsibilities.
Explore all capabilitiesPamoja ChamaDemonstration
Umoja Growth Chama
Welcome back, Amina
Current cycle90% complete
Two members remaining
Everyday chama tools
Everything your group needs, organised simply.
Contributions
Cycles, payment status and rotating receivers.
Savings
Member balances and controlled withdrawals.
Loans
Applications, guarantors, approvals and repayments.
Governance
Meetings, attendance, voting and resolutions.
Members
Membership, roles, joining and lifecycle requests.
Reports
Statements, accounting and explainable insights.
Support when you need it
Talk to our teamDesigned for real Kenyan chama operations.
Use the web app today, prepare for future USSD access and reach a local support team when assistance is required.
Ready to organise your chama?
Start with a clear, secure workspace.
Create an account or request a guided demonstration.