Chama Circle · Swift Axis
Chama Circle Features Built for Kenyan Chamas
Manage contributions, loans, welfare, investments, members, voting, reports and M-Pesa-friendly records from one simple platform.
Money & Contributions
Keep the table honest — from collection day to end-of-year statements.
Contributions Management
Plan rounds, record who paid, and see arrears without notebook arguments.
Member Wallet View
Each member sees their balance and history in plain language.
M-Pesa-Friendly Records
Record, track and reconcile M-Pesa activity against your agreed collection method.
Reports & Statements
Share summaries the chairperson and treasurer can stand behind.
Loans & Welfare
Support members fairly — with approvals and repayments everyone can follow.
Loan Requests
Members apply with the details your constitution expects.
Loan Approvals
Officials review and approve before money moves on paper or in the group.
Repayment Tracking
See schedules, partial payments and what is still outstanding.
Welfare Cases
Document harambee-style support with clear who-gave-what records.
Emergency Contributions
Spin up urgent collections when the table agrees — without losing the trail.
Governance & Transparency
Decisions and records that survive the next AGM.
Voting & Polls
Capture votes digitally when your rules allow — less shouting, clearer minutes.
Member Records
Profiles, roles and status in one place for officials and members.
Role-Based Access
Treasurer, secretary and chair see what they need — not everyone sees everything.
Audit Trail Ready
Changes leave a trail officials can review when questions arise.
Meeting/Decision Records
Attach outcomes to meetings so “we agreed in March” has a home.
Growth & Insights
See the bigger picture without losing the community feel.
Investment Tracking
Follow pooled investments separately from day-to-day contributions.
AI Insight Preview
Helpful highlights when patterns need a second look — officials stay in control.
Multi-Chama Membership
Members in several groups see each Chama where they are invited.
Notifications & Reminders
Gentle nudges before meetings, deadlines and contribution days.
Member Engagement View
Officials spot who may need a follow-up — without naming and shaming.
M-Pesa-Friendly by Design
Chama Circle is built around how Kenyan groups already collect — then helps you record, track and reconcile what came in. Swift Axis does not hold your Chama’s funds. M-Pesa only — no card payments.
Whether you use your own Paybill, Till Number, Pochi la Biashara, a treasurer line or another number the table trusts, officials map incoming activity to members and rounds. The goal is clarity at the meeting — not changing how your group already sends money.
Collection methods you can align to
- Paybill
- Till Number
- Pochi la Biashara
- Treasurer collection number
- Agreed contribution number
Every Member Can See What Matters
Less “who said what” after the meeting — members check their own view when they need answers.
- Contributions paid and outstanding
- Loan balances and repayment progress
- Welfare updates they are part of
- Statements they can download or share
- Voting items when your rules allow
- Participation across multiple Chamas where invited
Community-first access
Officials control what each role sees. Members get clarity on their own participation — not a spreadsheet forwarded on WhatsApp the night before the AGM.
Ready to See Chama Circle in Action?
Explore the demo, start registration when your table is ready, or talk to support — no pressure.