Bring Absolute Transparency to Your Chama
End the disputes over missing Excel files and unrecorded deposits. We build secure, cloud-based management apps for Kenyan Chamas, Investment Groups, and SACCOs.
Financial Clarity for Every Member
Empower your treasurer with automated tools, and give your members the transparency they deserve.
Automated Contributions
Members can send contributions directly via M-Pesa. The system automatically reconciles the payment, updates their individual digital wallet, and logs the transaction.
Loan Management Workflows
Digitize your loan applications. Members can request loans through the app, which are then routed to committee members for digital approval, tracking interest and repayment schedules automatically.
Member Dashboards
No more asking the treasurer for statements. Every member gets a secure login to view their own contribution history, loan balances, and the overall group fund status.
Tamper-Proof Audit Trails
Every action in the system is permanently logged. From approved loans to manual adjustments, the unchangeable audit trail ensures complete financial integrity for the group.
The Njia Digital Difference
Built for Kenyan Investment Groups
Foreign group-fund apps don't understand merry-go-rounds, table banking, or M-Pesa. We design systems that specifically match the unique ways Kenyans save and invest together.
Your Data, Your Ownership
Unlike generic platforms that hold your financial data hostage to monthly subscriptions, we build a custom platform that your group completely owns and controls.
Ready to secure your group's finances?
Reach out today and let's discuss how we can digitize your Chama's operations.
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