Smart chama
management
for Kenya
Track contributions, manage loans, run MGR cycles, setup meetings — everything your savings group needs, in one platform.
Overview
Mama Karimi Chama
24
Members
KES 248K
Contributions
KES 89K
Wallet
KES 45K
Loans
KES 0
Fines
KES 30K
Investments
Member Contributions
Top 8 members
View report →
System Activity
View all →
Wanjiku M. · Contribution recorded
2m agoOchieng D. · Loan approved
1h agoKamau J. · Mgr payout recorded
3h agoFeatures
All the tools your chama needs
From first contribution to final payout — kikobas handles the complexity so you can focus on building your savings group.
Contribution Tracking
Track every member's payment status in real time. Members pay to your chama's paybill, till, or bank account — the treasurer records each contribution with the M-Pesa reference, keeping everything clean and auditable.
Loan Management
Full application and approval workflow with simple or compound interest. The treasurer disburses funds and records it in the system — repayment schedules are calculated and tracked automatically from that point.
Flexible Payment Setup
Configure your chama's M-Pesa paybill, Buy Goods till, or bank account once — members always know exactly where to pay. No merchant accounts to set up, no third-party credentials, full control stays with your chama.
MGR Rotating Savings
Manage merry-go-round cycles with fixed, random, or bidding payout order. The treasurer records each payout when it's made — full history, no missed turns, no disputes.
Welfare Fund
Pool welfare contributions and support members in need. Full approval workflow — members apply, officers review and approve, the treasurer records the payout. Every step is logged and audited.
Reports & Audit Log
Immutable audit trail of every action taken. Financial summaries, contribution histories, and loan books — perfect for AGM transparency and building member trust.
How it works
Up and running in minutes
No lengthy onboarding. Create your chama, invite your members, and start tracking — it's that simple.
Create your chama
Set up your savings group in minutes. Define contribution amounts, loan rules, fine policies — your chama, your rules. Optionally, import your existing data.
Invite members
Add members by email address. They receive an invitation and join instantly — quick and seamless.
Manage & grow
Track payments, issue loans, run MGR cycles, and watch your group's savings grow from one powerful dashboard.
Pricing
Grow at your own pace
Start free. Upgrade only when your chama outgrows the limits. No lock-ins, cancel anytime.
Free
Perfect for small groups just getting started.
- Up to 5 members
- 1 active contribution cycle
- 1 active MGR cycle
- Up to 5 stored documents
- Up to 2 tracked investments
- 90-day audit log history
- All core features included
Starter
For growing chamas that need more capacity.
- Up to 20 members
- Unlimited contribution cycles
- Up to 3 active MGR cycles
- Up to 50 stored documents
- Up to 5 tracked investments
- 1-year audit log history
- Arrears & loan book reports
- Automated email reminders
- Chama Advisor AI — 200 messages / 30 days
Pro
Unlimited scale for large and established chamas.
- Unlimited members
- Unlimited cycles & MGR rounds
- Unlimited documents
- Unlimited investments
- Full audit log (no retention limit)
- Email PDF statements to members
- Custom chama logo
- Chama Advisor AI — 500 messages / 30 days
- Chama Advisor advanced analysis & recommendations
- All Starter features
Payments collected via mobile money (M-Pesa or Airtel Money). Paid plans activate immediately for the billing period you choose.
FAQ
Frequently asked questions
Everything you need to know before you get started. Can't find what you're looking for? Reach out to our support team.
An officer of the chama invites you using your email address. You will receive an email notification. Open the app and the chama will appear in your profile under "My Chamas".
Go to Profile → tap "+ Create New Chama". Follow the setup steps: enter a name, set contribution frequency and amount, configure your loan policy, and optionally set up your mobile money (M-Pesa or Airtel Money) payment destination.
A chama officer creates a contribution cycle with a start date, end date, and amount. Members record payments when they contribute. Officers can mark contributions as paid and track who is behind.
Go to Loans → Apply for Loan. Your maximum loan amount is based on your total contributions multiplied by the chama's loan multiplier. Submit your application with a purpose and repayment period. Officers will review and approve or reject it.
Fines are issued by chama officers for missed contributions, late repayments, or other policy violations. You can view fine details and dispute a fine with a written reason if you believe it was issued in error.
When you initiate a payment via the app, you will receive an STK push (payment prompt) on your phone from M-Pesa or Airtel Money, depending on your number. Enter your PIN to approve. The transaction is processed by your mobile money provider — kikobas records the reference for your chama's records.
If you are a regular member, go to Profile → Settings → request a phone number change. A chama officer must approve and process the change. If you are an officer, go to Members and update the phone directly.
If you belong to multiple chamas, tap the chama name in the top navigation bar to open a switcher. Select the chama you want to manage.
A Merry-Go-Round is a rotational savings scheme where each member takes turns receiving a fixed payout. Officers create an MGR cycle, assign the payout order, and record each payout as it is made.
Go to Reports in the bottom navigation. You can view summaries, loan books, arrears, and statements. On the web dashboard, reports can be exported as PDF or CSV.
kikobas requires an internet connection to load and submit data. If you lose connectivity, cached data remains visible but changes cannot be saved until you reconnect.
Contact us at support@kikobas.com. We will process account deletion within 30 days. Financial records required by law (7 years) will be retained in anonymised form.
Ready to transform how your
chama manages money?
Join Kenya's savings groups already using kikobas. Free to start — no credit card required.