Every listed chama gets a score from 0 to 100. It isn’t a review or a vibe — it’s computed from the group’s own records, so a high score means the group actually does the things a healthy chama does.
The score is the weighted average of six components, each scored 0–100. A component the chama doesn’t record is dropped — never counted as a pass — and the weights re-balance across what’s present.
How completely members bring the money they committed, over the scoring window.
How little of the loan book is overdue right now — the inverse of trouble.
Of the loans that have come due, how many were actually repaid.
How reliably members turn up to meetings, where a chama does its business.
Low churn — members stay through the cycle.
For rotating groups: how much of a full merry-go-round circle has been paid out.
Evidence-weighted: a score off two months isn’t the same claim as two years. Each score reports how much evidence it rests on, and the leaderboard shows it.
No fake passes: what the chama doesn’t record is dropped, not scored as 100. Recording more can only make the score more real, not automatically higher.
From the group’s own books: every component is computed from contributions, meetings and loans the chama itself entered — not surveys or self-ratings.
A trustworthy, comparable score turns a chama’s good governance into something the outside world can act on: members join with confidence, banks and microfinance get a credit signal for group lending, insurers reach well-run groups for micro-insurance, and partners can reward the best-run chamas on the leaderboard.
Start recording contributions, meetings and loans — your score builds itself, and you climb the leaderboard.