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Chama software · Kenya

Chama software for contributions, loans and member records.

Keep contributions, loan records and member statements together in KES. Give your officials a clear view of the books and members access to their own records.

Register your chamaRead the chama guides
Savings-product setup in the SACCO Back Office with account terms and a member preview.
Kenya Member App demo dashboard with savings and account activity in KES (KSh).

What your chama gets

One record of who paid, who borrowed and who is owed.

Contributions

Know who paid and where each payment belongs.

Record contributions against a member and receipt reference, so the treasurer can follow up with the right information.

  • Member records in one place.
  • Contribution amounts, dates and receipt references.
  • Statements to help resolve payment questions.
Explore the Back Office
Savings-product setup in the SACCO Back Office with account terms and a member preview.

Group loans

Keep loan decisions and repayments together.

Manage applications, guarantors, approvals and repayment schedules alongside your member records. Your chama sets the terms and makes the lending decisions.

  • Loan products with defined terms and limits.
  • Applications and guarantors linked to each loan.
  • Repayment records and member statements.
Explore loan records
Loan-product setup with lending terms, limits and a member preview.

Member App

A clearer view for each member.

Members can check their own balances, loans and statements in KES from the Android Member App. Officials manage the records in the Back Office.

  • Access by invitation from your group.
  • Balances and statements on a phone.
  • Staff access based on assigned roles.
Explore the Member App
Kenya Member App demo accounts showing savings and share balances in KES (KSh).

Getting started

Move the chama off the spreadsheet.

  1. Clean the member list

    Gather your member list and opening balances. We assess existing records before agreeing the migration scope.

  2. Register your chama

    Start an application with your group’s details. We review your setup and confirm the workflows you need before activation.

  3. Invite the members

    After activation, invite members to view their own balances and statements.

Free calculators for your group

  • Kenya

    Merry-go-round planner

    Free chama merry-go-round planner for Kenya: payout order, dates, the pot each member receives and what every member pays, plus welfare on top.

  • Kenya and Uganda

    Loan repayment calculator

    Free SACCO loan repayment calculator for Kenya and Uganda: monthly instalment, total interest and a full schedule on reducing balance or flat rate.

See all free tools

Questions chamas ask first

Practical answers before you get started.

What can our chama keep in SenteRail?

Member records, contributions, loans and statements in one workspace, with an Android Member App for members to view their own records. We confirm the setup for your group before activation.

Can we use it for table banking or merry-go-round?

Tell us how your group collects contributions, lends and distributes funds. We confirm the supported workflow before you move your records; contribution records alone do not automate rotating payouts or fines.

How are M-Pesa contributions recorded?

Your team records contributions against M-Pesa receipt references. Automatic M-Pesa collection and posting are not included in this workflow.

Does SenteRail hold our money?

No. Your chama controls its funds and makes its own lending decisions. SenteRail provides the software for keeping records.

How do we get started?

Start an application with your group’s details. Applications are reviewed before activation, and moving existing records begins with a scoped migration assessment. Plans and an estimator in KES are on the pricing page.

Give your chama one set of books.

Tell us about your group and the records you want to bring together.

Applications are reviewed before activation.

Register your chamaRead the chama guides