Member and chama administration
Use one member identity across multiple chamas, maintain group-specific roles and manage join requests through private codes and review controls.
One platform for the full chama cycle.
Pamoja Chama connects member administration, contributions, savings, loans, governance and financial controls without exposing one group to another.
Contribution cycles
Configure amounts, dates and beneficiaries, record confirmed payments and identify members who are still outstanding.
Savings and loans
Maintain personal savings ledgers, loan applications, guarantors, approvals, disbursement instructions and repayment histories.
Automated accounting
Generate double-entry journals and trial balances, reject duplicate references and warn authorised officers when records do not balance.
Governance
Capture meetings, minutes and polls while preserving a clear history of actions taken by members and officials.
Reminders and notifications
Use in-app and email reminders for contribution deadlines, meetings and loans. SMS can be integrated later through an approved provider.
Platform administration
Authorised management staff can monitor subscribed chamas, risks, fees, approvals and system health according to assigned roles.
Provider-ready integrations
USSD, bank and mobile-money adapter points are prepared but remain disabled until contractual, technical and compliance requirements are complete.