Chama Circle • Community Finance
Digitize contributions, loans and member transparency
Chama Circle helps Chamas, SACCOs and member-based organizations manage contributions, loans, welfare and governance — with M-Pesa-friendly records and member portals built for Kenya.
Business Challenges
The problems organizations face every day
Current pain points, business frustrations and operational inefficiencies — explained in plain language.
Manual contribution records leading to disputes and distrust
Treasurers spending hours reconciling M-Pesa and cash collections
Members lacking visibility into group finances
Loan and welfare processes handled on paper or WhatsApp
Difficulty managing members across multiple groups
Leadership changes causing loss of institutional knowledge
Business Outcomes
Measurable value for your organization
Business outcomes appear before features — here is what organizations achieve with this solution.
Improve governance with transparent financial records
Increase collection efficiency and reduce reconciliation time
Boost member engagement through self-service portals
Achieve financial transparency members can trust
Scale from one Chama to multi-group operations
Why Choose This Solution
Return on investment that matters
Operational improvements and business growth — not feature lists.
M-Pesa-first for Kenya
Built around how Kenyan groups actually collect — Paybill, Till, Pochi and agreed payment numbers your members already use.
Member transparency
Members see relevant balances, contributions and activity — reducing disputes and building trust in leadership.
Multi-Chama support
Members can belong to multiple groups with a single account — treasurers manage each Chama independently.
Mobile-first experience
Android app and PWA designed for treasurers and members who manage groups on their phones.
Key Benefits
Business benefits at a glance
Focused outcomes your organization can expect — without overwhelming feature detail.
- M-Pesa-first contribution tracking
- Member transparency portals
- Multi-Chama membership
- Mobile-first Android experience
- Governance and reporting tools
Capabilities
What you can do with this platform
Grouped by business area — a high-level view without overwhelming feature lists.
Contributions
- Scheduled contributions
- M-Pesa reconciliation
- Payment reminders
- Contribution history
Loans
- Loan applications
- Repayment tracking
- Interest calculations
- Guarantor workflows
Welfare
- Welfare fund tracking
- Benefit disbursements
- Emergency balloting
- Member welfare records
Governance
- Member records
- Role management
- Meeting records
- Voting support
Reporting
- Financial summaries
- Member statements
- Treasurer dashboards
- Export-ready reports
Industries Served
Built for the industries Chama Circle serves
Explore how this solution addresses sector-specific business challenges.
Product Screens
Premium experience across every device
Desktop dashboards, tablet operations and mobile workflows — built for how your team actually works.
- DesktopOwner dashboards and admin
- TabletOperations and floor management
- MobileField workflows and member access
Integrations
Connect with the tools you already use
Live integrations are available today. Future capabilities are marked Integration Ready — never implied as already available.
Available Now
- M-PESALive
- REST APIsLive
- WebhooksLive
Integration Ready
- QR CodesComing
- ERPComing
- CRMComing
- AccountingComing
- E-CommerceComing
Pricing
Starter, Professional and Enterprise plans
Pricing loaded from the Swift Axis catalogue via BFF — final fees confirmed at registration.
Starter
Membership basics, contributions, receipts, basic reports, and support.
Ksh 0 / month
- Member reports
- Help center
- Contributions
- Member records
- Role assignment
- Receipts
Recommended
Growth
Starter plus welfare, loans, voting, approvals, and advanced reports.
Ksh 0 / month
- Loan products
- Member reports
- Help center
- Welfare contributions
- Contributions
- Member records
Premium
Growth plus investments, AI, advanced analytics, and multi-chama support.
Ksh 0 / month
- Projects
- AI assistant
- Loan products
- Member reports
- Help center
- Welfare contributions
Compare Plans
Compare Chama Circle plans
Features, limits, support and pricing — for this product only.
| Feature | Starter | Growth | Premium | Custom |
|---|---|---|---|---|
| Pricing | Ksh 0/mo | Ksh 0/mo | Ksh 0/mo | Ksh 0/mo |
| Member reports | ✓ | ✓ | ✓ | — |
| Help center | ✓ | ✓ | ✓ | — |
| Contributions | ✓ | ✓ | ✓ | — |
| Member records | ✓ | ✓ | ✓ | — |
| Role assignment | ✓ | ✓ | ✓ | — |
| Receipts | ✓ | ✓ | ✓ | — |
| Notifications | ✓ | ✓ | ✓ | — |
| Access credentials | ✓ | ✓ | ✓ | — |
| Support | Email support | Priority support | Dedicated support | Tailored support |
FAQ
Frequently asked questions
Registration, pricing, deployment, support and security — answered in plain language.
Can I start with one Chama and add more later?
Yes. Many groups begin with a single Chama and expand when the table is ready.
Do you support Paybill and Till numbers?
Chama Circle supports flexible record tracking for Paybill, Till, Pochi and agreed numbers your group uses.
Can members belong to many Chamas?
Yes. Members can view relevant information across groups where they are invited.
Does Swift Axis hold Chama funds?
Chama Circle helps record, track and reconcile. Fund-handling depends on your group's approved payment arrangement.
Can I upgrade my package later?
Yes. Move to a higher package as your Chama grows — contact support when ready.
Customer Success
Organizations achieving results with Swift Axis
Customer success stories for Chama Circle will appear here as verified case studies become available.
Success story placeholder — verified customer outcomes coming in Phase 6.
Customer name
Industry • Organization size
Success story placeholder — verified customer outcomes coming in Phase 6.
Customer name
Industry • Organization size
Success story placeholder — verified customer outcomes coming in Phase 6.
Customer name
Industry • Organization size
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Ready to transform your operations with Chama Circle?
Register your organization, book a demo or speak with our sales team to get started.