Get a modern online chama app that sits right inside your smartphone

About

Chama Circles is a digital chama app that transforms traditional chamas into a modern online experience. It feels great when you get a Mpesa confirming that you have received your chama dues. Or when you attend a Chama on a lazy afternoon and get paid over a cup of coffee. Or having a long weekend planning your next Chama investment. That is how traditional chama used to feel all the time.

But things changed

People started to take different paths. You started working Monday to Saturday. Your friend is now a full-time mom and doesn’t have time to attend Chama. You lost control over your traditional chama. More and more members are losing touch because of juggling between work, family, education, and life.

It doesn’t have to be that way.

The magic of chamas is still there—it just needs a modern touch. That’s where Chama Circles comes in. We’ve reimagined the traditional chama into a fully digital experience, seamlessly fitting into your daily life. With Chama Circles, you can:

• Organize your chama effortlessly – Set up and manage your group from your smartphone.
• Contribute securely – Make and track contributions with ease, anytime, anywhere.
• Disburse funds seamlessly – No more delays or missing payouts—everything is automated and transparent.

Chamas are evolving, and with Chama Circles, you can keep yours thriving—without the hassle of physical meetings or endless follow-ups. It’s time to modernize your chama, stay connected, and take control of your financial future.