Savings & investment groups
Kijichama scores how well every group is run, so you can choose one based on evidence and see how it performs. If you run a group, you get the tools and a score to show how well it's managed.
A live roster showing who’s current and who’s behind, at a glance.
Record regular saves, merry-go-round hands and table-banking deposits with M-Pesa refs.
Agendas, minutes and who showed up — the record the score reads.
Lend to members and track repayment; arrears surface automatically.
A 0–100 score from six real signals — your group’s reputation, quantified.
Learn what’s working for other well-run chamas near you.
Every listed chama gets a score from 0–100, built from the six things that actually tell you a group is healthy: collection rate, arrears, loan repayment, attendance, membership stability and rotation completion.
Groups are judged only on what they record, and the best-run chamas rise up the leaderboard — opening the door to recognition, credit and partners.
How the rating works →Find a group by kind and county, see its member count, contribution and a real performance score, and reach out. No more joining blind.
More for members →Track contributions and chase arrears, mark attendance, run the merry-go-round and lend to members — and prove your group is well run.
Share what works with other chamas, and get discovered by members searching near you.
More for chamas →Contributions, meetings, loans and a performance score in one place — and a spot on the directory for members to find you.