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Walk around a real chama

The Umoja Demo Chama has 12 members and a full year of activity — contributions, loans, welfare, meetings, votes, a merry-go-round and a year-end shareout. Pick a seat at the table.

Explore as the Treasurer

as Amina Njeri

  • Approve a KES 40,000 loan — both guarantors have signed binding e-guarantees
  • See a loan and a new member blocked until their guarantor signs
  • Review a welfare claim and the money-market resolution
  • Export reports to Google Sheets, see the full audit trail

Explore as a Member

as Brian Kiprotich

  • Sign binding guarantee forms — a friend's loan and a new member's admission
  • See your contributions, shares and loan eligibility
  • Cast your vote on the open resolution
  • Follow the merry-go-round rotation and year-end shareout

Click anything — approve loans, cast votes, record payments. The demo resets itself every night, so nothing can break. When your group is ready for the real thing, create your own chama — it takes about three minutes.