Create a group, add members
Owner, Admin, Treasurer, Member — each role sees exactly what it should, never more.
Chama · VICOBA · ROSCA · SACCO
Run your Chama like a pro.
The only Personal Financial Operating System built with savings groups in mind. Contributions, payouts, rotations and internal loans — tracked with the dignity and transparency a treasurer would write in a real book. The part every other app skips, we treat as first-class.
Everything a savings group needs — in one module.
Record contributions & payouts
Date, amount, member, note. The book a treasurer keeps — searchable, exportable, and provable.
Set the rotation order
Run rotation (merry-go-round) payouts with one tap. No more arguments about whose turn is next.
Issue internal group loans
Interest rate, due date, full or partial repayments — tracked right alongside the contributions.
Privacy by role
Members see only their own loans. Admins see the whole picture. No permission confusion.
No spreadsheets, no lost notebooks
The entire group's money — contributions, loans, rotations — in one place everyone can trust.
How it works
From first contribution to clean record.
Set up the group
Create the Chama, invite members, and assign roles. Define the contribution amount and schedule.
Record every movement
Log contributions, payouts and loans as they happen. Each entry is dated, attributed, and traceable.
Run rotations & loans
Trigger the next rotation payout, or issue an internal loan with interest and a repayment plan.
Keep everyone in the loop
Members check their own standing anytime. Treasurers export a clean record whenever it's needed.
Chama questions, answered.
What is a Chama and does Mtu na Pesa support it?
A Chama (also called VICOBA, ROSCA, merry-go-round or a SACCO sub-group) is a savings group where members contribute money regularly and take turns receiving payouts or borrowing from the pool. Mtu na Pesa treats savings groups as a first-class feature — you can create a group, add members, record contributions, run payouts and rotations, issue internal loans with interest, and track repayments, all in the same app.
Can members see each other's loans and balances?
No. Privacy is enforced by role. Members see only their own contributions and loans. Admins and the Treasurer see the full group picture. This keeps the group transparent where it should be and private where it should be.
Can the Treasurer keep a provable record?
Yes. Every contribution, payout and loan is dated and attributed, and the full record can be exported. It replaces the paper notebook with something searchable and provable.
Does it handle rotation (merry-go-round) payouts?
Yes. You set the rotation order once, and run each payout with a single tap — so there is never confusion about whose turn it is.
Can the group issue loans to members?
Yes. You can issue internal group loans with an interest rate and due date, and record full or partial repayments. The loans are tracked alongside the group's contributions.
For treasurers and members
Give your group the transparency it deserves.
Start free. Coordinate your Chama’s money without spreadsheets, lost notebooks, or “wait, whose turn is it?”