Daimafund
★ For chamas, SACCOs & investment groups

Run your chama like an institution.

Track contributions, manage loans, hold meetings, and pay dividends — all in one place.

★ Built for African savings groups

Your group. Your rules. Your money.

Digital constitution, member-signed consent, secure voting, transparent ledgers. Trust by design.

★ From M-Pesa to balance sheet

One platform. Total control.

Stop juggling spreadsheets, WhatsApp groups and notebooks. Bring everything together.

1,200+
Active groups
KES 2.4B
Tracked monthly
98%
Member satisfaction
24/7
Always available
What we do

Built for the way African groups actually save.

Family. Group. Legacy.
Generations of saving, finally digital.
Pooled this month
KES 480k
+28% from last month
M-Pesa, bank, cash
All payment rails connected.
Members contribute via M-Pesa STK, bank transfer, or recorded cash. Reconciled automatically.
Trust, recorded.
Digital constitution. Signed by every member.
Made in Africa
Designed for KES, UGX, TZS — not Silicon Valley.
Live preview

See it in action.

A real product. Not a landing-page mockup. Scroll to explore.

app.chama.io/dashboard
Mwangaza Chama
12 active members
+9
Pooled
KES 480k
Loans
3 active
Members
12
This month
KES 36k
Contributions over 12 months
Top saver
Sarah Mwende
KES 84,500 saved
Loans
Active loans
3 outstanding
Jane Wanjiku
LN-001
KES 120,000
45% repaid
Peter Kamau
LN-002
KES 80,000
72% repaid
Mary Akinyi
LN-003
KES 200,000
18% repaid
Election: Board 2026
Vote: Chairperson
Sarah Mwende 8 votes · 67%
John Otieno 3 votes · 25%
Grace Kimani 1 votes · 8%
12 of 12 members voted · Closes in 3h
One platform · 25+ modules

Everything your group needs,
finally connected.

From the first member you sign up to the last cycle of mzunguko, from a single contribution to a SACCO-grade trial balance — built to handle the whole arc.

Module 01

Money in

5 capabilities ↓
Contributions
Track monthly savings, share capital, welfare, project funds — all with per-type rules.
M-Pesa STK push
Members tap a button, approve on their phone, contribution lands in seconds.
Paybill auto-reconcile
Members pay via your paybill using their member number — the system matches automatically.
Statement import
Drop a bank or M-Pesa CSV. Auto-matched to members. Unmatched flagged for review.
Joining + annual fees
Configure registration / membership fees. Optionally block activation until paid.
Module 02

Money out

7 capabilities ↓
Loan products
Configure interest, amortization, grace periods, processing fees — per product.
Apply → approve → disburse
Member applies on portal. Committee approves. Disburse to wallet or directly to M-Pesa.
B2C M-Pesa payout
Push loan funds (or ROSCA payouts) straight to the member's phone via Intasend.
Repayment schedules
Generated automatically. Tracks principal, interest, penalties, partial payments.
Loan restructures
Reschedule a struggling borrower mid-loan with full audit trail.
Welfare payouts
Multi-approver workflow with beneficiary splits for bereavement / health.
Dividend distribution
Per-share or per-member-day distributions, settled to wallets.
Module 03

Mzunguko (ROSCA)

4 capabilities ↓
Merry-go-round pools
Run unlimited concurrent pools — weekly, biweekly, monthly, or custom cadence.
Slot allocation
Pick recipient order at activation. Each cycle auto-opens on schedule.
Auto progress
Cycle fills as members pay. Payout triggers when target hit.
Direct-to-phone payout
When a member's turn comes, the system can push the entire pot to their M-Pesa.
Module 04

Governance

6 capabilities ↓
Meetings
Templates, agenda, attendance tracking, minutes, action items, recordings.
Digital signatures
Tamper-evident hash-chained signatures on minutes. Anyone can verify.
Polls
One-question or multi-question polls. Live results. Closed-ballot or open.
Board elections
Nominations → manifestos → voting → results. Configurable thresholds.
Constitution + consent
Upload your rules. Every member reads + signs at registration. Versioned.
Change requests
Members propose profile edits. Admin approves. Full audit trail.
Module 05

Accounting & reporting

6 capabilities ↓
Double-entry ledger
Every transaction is a balanced journal. Trial balance always balances.
Chart of accounts
Cash, bank, mobile money, loan fund, wallets, expenses, income — fully configurable.
Trial balance + GL
Real-time. Exportable. Date-range filterable.
Member statements
Per-member rolling statement, downloadable PDF.
Reports
Member, contribution, loan, dividend, asset-yield reports.
Credit scoring
Per-member credit history based on contribution + repayment behaviour.
Module 06

Member experience

6 capabilities ↓
Self-service portal
Wallet balance, contributions, loans, mzunguko slot, statements.
Pay-in from portal
M-Pesa STK push from inside the app. No paybill memorisation.
SMS + email receipts
Every contribution, loan event, payout — members get notified across channels.
Mobile-first
Built for phones. Bottom nav, drawer menu, swipe gestures.
Public registration
Branded URL anyone can use to sign up. Fee notice + payment instructions inline.
USSD ready
Members on feature phones reach the system via Africa's Talking USSD.
Module 07

For SACCOs + cooperatives

5 capabilities ↓
FOSA module
Front-office savings activity for SACCOs offering retail-style banking.
Share capital tracking
Per-member shares, dividend-eligible day counts, capital movements.
Multi-branch
Available on Enterprise tier — branch-scoped staff, members, and accounts.
Bulk payouts
Dividends, welfare, periodic distributions — settled in one click.
KYC verification
ID number, photo, NoK details. Required-fields configurable per org.
Module 08

Platform + reseller

5 capabilities ↓
White-label resellers
Run your own branded version. Custom domain, colours, logo, footer.
Custom domains
Map your own domain in cPanel. Auto-SSL via Let's Encrypt.
Commission tracking
Reseller earns % on every paid subscription invoice from your agencies.
Impersonation
Resellers + super admin can debug client orgs without password sharing.
API + webhooks
Public token-scoped API to query members, contributions, loans.
Connected to the rails

Plays nice with your payments stack.

Configure once, members pay any way. We auto-reconcile, you get out of the spreadsheet.

Mobile money
M-Pesa Daraja
Direct Safaricom integration. STK push + paybill auto-reconcile + B2C disbursement.
Hosted checkout
Intasend
Hosted checkout — M-Pesa, card, bank. B2C send-money for loan + ROSCA payouts.
Cards · Africa
Paystack
Card-first hosted checkout. Webhook-confirmed payments.
Regional gateway
Tendepay
Regional cards + mobile money for east + southern Africa.
SMS + USSD
Africa's Talking
SMS, USSD, and voice. Cheapest SMS for KE / TZ / UG.
SMS + WhatsApp
Twilio
Global SMS + WhatsApp Business. Use when AT doesn't cover your geography.
WhatsApp
Meta WhatsApp
Official Cloud API. Send templated messages to members at scale.
Email
SMTP / Mailgun
Send email through your own SMTP, or via Mailgun / Sendgrid.
Mobile-first

Built for the phone in every member's pocket.

Members log in from any browser. Bottom nav, drawer menu, swipe gestures, USSD fallback for feature phones. No app store, no install — just works.

  • Responsive across phones, tablets, desktops
  • Offline-tolerant portal once a member has signed in
  • USSD for feature-phone members via Africa's Talking
  • Add to home screen — feels like an app
Security & audit

Bank-grade trail
for every shilling.

Every action — every contribution, approval, vote, signature — leaves a tamper-evident trail. Disputes are settled by audit log, not memory.

  • Full activity log for every model change
  • Hash-chained meeting minute signatures
  • Role-based access — granular Spatie permissions per org
  • Encrypted secret storage for payment provider keys
  • Soft-delete with super-admin restore (30-day window)
  • Webhook signature verification (defense-in-depth on payments)
Smart notifications

Nobody misses anything.

21 distinct event types — from contribution receipts to mzunguko payouts to election openings — fire SMS, email, and in-app notifications. Opt-out per member. Idempotent and queued so a busy event never duplicates.

21
Event types
3
Channels
∞
Receipts
How it works

From spreadsheet chaos to total clarity — in 5 minutes.

01
Sign up
Tell us about your group: name, type, currency, expected size.
02
Add members
Invite or import. Set up contribution types and loan products.
03
Start tracking
Record contributions, hold meetings, approve loans, vote on decisions.
Transparent pricing

Pricing that grows with your group.

You pay for the size that fits — pricing scales with active members. 3-day free trial, no card required. Save 17% when you pay annually.

Pricing calculator
Drag to see the exact price for your group size.
Active members
100
Established tier
1501002505001k+
Cancel
Anytime
Setup fee
KES 0
Support
Email + chat
Established
KES 4,000
per month
≈ KES 40 / member
3 days free · No credit card
Starter
1–10 members
KES 500
/ month
or KES 5,000/yr
Growth
11–25 members
KES 1,000
/ month
or KES 10,000/yr
Active
26–50 members
KES 2,000
/ month
or KES 20,000/yr
★ Most popular
Established
51–100 members
KES 4,000
/ month
or KES 40,000/yr
Large
101–250 members
KES 8,000
/ month
or KES 80,000/yr
SACCO · small
251–500 members
KES 15,000
/ month
or KES 150,000/yr
SACCO · mid
501–1000 members
KES 25,000
/ month
or KES 250,000/yr
SACCO · large (custom)
1,001+ members
KES Custom
/ month
Every tier includes
Unlimited transactions
Members · contributions · loans
M-Pesa & bank
STK push, paybill, statements
Member portal + mzunguko
Self-service ROSCA
Accounting + audit log
Trial balance, GL, history

Bring your chama into the modern era.

Free 3-day trial. Cancel anytime. No card required. Annual plans save 17%.

Report an issue

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