Calpex ChamaManager tracks contributions, loans, merry-go-round cycles, shares, and welfare for your chama. Every shilling accounted for, every member informed.
Calpex ChamaManager is a chama management system built specifically for Kenyan savings groups. It replaces spreadsheets, notebooks, and WhatsApp groups with a single system that tracks every contribution, loan, and payout automatically.
Whether your chama runs merry-go-round cycles, table banking, or a hybrid model, Calpex ChamaManager adapts to your rules. Members see their own statements. Treasurers generate reports in seconds. Leaders spend less time on admin and more time growing the group.
The system is designed for Kenya: M-Pesa integration for contributions, offline capability when connectivity drops, and data export so your records remain under your control.
Designed for how Kenyan savings groups operate daily, not adapted from foreign templates.
Record monthly, weekly, or custom contribution schedules. See who has paid, who is in arrears, and send automatic reminders. Integrates with M-Pesa for direct collection.
Issue loans to members with configurable interest rates and repayment terms. Track principal, interest, and outstanding balances. Flag overdue loans automatically.
Manage rotating savings where members take turns receiving the pool. Define cycle order, track payouts, and handle members who join mid-cycle.
Track each member's share ownership and valuation. Calculate dividends based on shares held. Handle share transfers and buybacks.
Separate welfare contributions from investment funds. Track claims for events like funerals, weddings, or medical emergencies. Maintain clear records of disbursements.
Record decisions, attendance, and action items from each meeting. Keep a searchable archive so nothing gets lost or disputed later.
Each member can view their personal dashboard showing contributions, loans, shares, and welfare status. Transparency builds trust within the group.
Generate contribution summaries, loan status reports, arrears lists, share valuations, and full financial statements. Export for meetings or audits.
We handle the technical setup so you can focus on your members.
Share your contribution rules, loan policies, and member list. We configure the system to match how your group already operates.
We help you bring in existing member data, contribution histories, and outstanding loans from spreadsheets or notebooks.
Your treasurer and chairperson get hands-on training. Most groups are comfortable within one or two sessions.
Start using the system with our team on standby. We stay in touch to answer questions and help with the first month's cycle.
Calpex ChamaManager serves savings groups of all sizes across Kenya, from small merry-go-round circles to large investment chamas with complex loan portfolios.
Generic group finance software fails because it assumes different contexts. Calpex ChamaManager is designed from the ground up for how Kenyan savings groups actually work.
M-Pesa integration: Members contribute directly via M-Pesa. Payments are recorded and reconciled automatically, reducing manual entry and errors.
Offline resilience: The system works even when connectivity is unreliable. Record transactions offline and sync when you're back online.
Local workflows: Merry-go-round cycles, table banking, welfare funds, and the way Kenyan chamas actually make decisions are built in from day one.
Data stays with you: Your chama's financial records belong to your group. Export member lists, contribution histories, and financial statements whenever you need them. No restrictions, no fees, no permission required.
See how a Kenya-focused chama system compares to spreadsheets and foreign software.
| Feature | Calpex ChamaManager | Spreadsheets | Generic Finance Apps |
|---|---|---|---|
| Merry-go-round cycle tracking | ✓ Built-in | Manual setup | ✗ Not supported |
| Table banking & loan management | ✓ Full automation | Manual formulas | Limited |
| M-Pesa contribution collection | ✓ Integrated | ✗ Manual entry | ✗ Not available |
| Member self-service portal | ✓ Each member | ✗ No access | Varies |
| Share registry & dividends | ✓ Automatic calculation | Manual tracking | ✗ Not supported |
| Welfare fund management | ✓ Separate tracking | Manual sheets | ✗ Not designed for this |
| Automatic reminders & alerts | ✓ SMS & app | ✗ None | Email only |
| Meeting minutes & records | ✓ Integrated | Separate docs | ✗ Not included |
| Data export | ✓ Full export anytime | ✓ Your files | Limited formats |
| Local support in Kenya | ✓ Nairobi-based team | ✗ Self-service | ✗ Overseas support |
Yes. Calpex ChamaManager integrates with M-Pesa so members can send contributions directly. The system automatically records and reconciles payments against each member's account, reducing manual entry and errors.
Yes. Calpex ChamaManager is built with offline resilience. You can record contributions, issue loans, and access records even when connectivity is unreliable. Data syncs automatically when you're back online.
Yes. All your chama's financial data is fully exportable. Download member lists, contribution histories, loan records, and financial reports whenever you need them. Your records, your control.
Most chamas are up and running within a few days. We help you import your existing member list and historical records, configure your contribution schedules, and train your treasurer on the system.
Yes. The system supports merry-go-round cycles where members take turns receiving the pool, as well as table banking where the group lends to members at interest. You can run both models or switch between them.
When a member applies for a loan, the system records the principal, interest rate, and repayment schedule. It tracks each repayment, calculates outstanding balances, and flags overdue loans. Members can see their loan status anytime.
Yes. Each member can access their personal dashboard showing contributions made, shares held, loans taken, and welfare status. This transparency builds trust within the group.
Treasurers can generate contribution summaries, loan status reports, arrears lists, share valuations, welfare fund balances, and full financial statements. Reports can be filtered by date range and exported for meetings.
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