Starting and Running a Chama cover
Personal Finance

Starting and Running a Chama

A practical handbook for chama treasurers and members — bylaws, contribution structures, investment options, and how to keep records the right way.

KES 1,200 one-time · instant PDF
  • How to write a chama constitution (with template)
  • Choosing contribution amounts and frequencies fairly
  • Investment options — what works, what doesn't, what to avoid
  • Record-keeping: what to capture, in what format
  • Handling withdrawals, defaults, and member exits
  • Tax obligations a chama actually has

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Most chamas fail not for lack of money but for lack of structure. This guide walks you through everything from drafting your constitution and opening a group account, to setting fair contribution rules, choosing investments, and resolving the disputes that always come up sooner or later.

Built from real conversations with chama treasurers across Kenya. Comes with downloadable templates for meeting minutes, contribution registers, and investment trackers.