Question 1

What is Chama CMS?

Accepted Answer

Chama CMS is an online management system for chamas, investment groups, table banking groups and SACCOs in Kenya. It keeps member records, contributions, loans, meetings, fines, investments and financial reports in one secure place.

Question 2

How much does Chama CMS cost?

Accepted Answer

Every group starts with a free 30-day trial with no credit card needed. After that, Basic is KES 2,500 per month, Standard is KES 5,500 per month and Enterprise is KES 12,000 per month.

Question 3

Can members pay contributions through M-Pesa?

Accepted Answer

Yes. Chama CMS supports Safaricom M-Pesa STK Push for contributions and loan repayments, with payments recorded against each member automatically.

Question 4

Does it handle loans and interest?

Accepted Answer

Yes. You can issue loans with reducing-balance interest, automatic repayment schedules, guarantor tracking and overdue reminders, and see every member's loan balance at any time.

Question 5

Does Chama CMS support merry-go-round and table banking?

Accepted Answer

Yes. It has dedicated merry-go-round (MGR) rotation tracking and table banking modules alongside regular contributions.

Question 6

Who can see our group's data?

Accepted Answer

Only your group's members, with permissions set by role (chairperson, treasurer, secretary and others). Every group's data is kept separate, and every change is recorded in an audit trail.