Records your bank manager would accept
Every shilling receipted, timestamped, and auditable. When your group needs financing, the books are already there.
Group finance, done properly.
Your chama.
Your chama.
Run like an institution.
Clean records every member can trust. Governance that protects friendships. A platform that makes your group worth joining.
Why Ledgera
The difference between a savings club and a serious chama.
A chama on Ledgera earns the kind of trust members put serious money into.
Governance that protects friendships
Your rules apply to everyone, including the chairman's wife. No room for favouritism. No awkward conversations at the next meeting.
Your AGM, taken seriously
Walk into any meeting with a full set of accounts. Every member sees exactly where the group stands. Generated in two minutes.
The complete financial record
Your group's records. Owned by the group, not any one person.
Every contribution receipted. Every loan governed by your rules. Every admin action logged. When the treasurer changes, the records stay. When a member disputes their balance, the answer is already there. Nothing lives on anyone's personal laptop or in a shared spreadsheet that only one person can open.
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What changes
What Ledgera-run chamas can do that others can't.
Clean books are what separate a savings club from a group that can build real wealth.
Apply for group bank financing
Auditable contribution records, ready to present to any lender. No scrambling for statements at the last minute.
Open collective investment accounts
Clean per-member contribution history that meets the requirements of investment platforms, fund managers, and SACCOs.
Run a professional AGM
Full accounts generated in two minutes. Walk into any meeting with the numbers already done. Every member sees the same picture.
Clean exits for departing members
When someone leaves, their exact balance is on record. No negotiation. No dispute. No bad blood between people who used to be friends.
Attract quality new members
Your records signal your group is worth joining. Serious people look for serious governance before they commit their money.
Books any auditor can follow
Every action logged, timestamped, and attributed. Your records meet the standard any external reviewer or accountant expects.
From the field
What chamas say after switching.
"We applied for a group loan from the bank. The loan officer asked for contribution records going back 18 months. We walked in with a full Ledgera report. He was surprised by how clean it was. We got the loan."
Wanjiku M. · Chama Chair, Westlands, Nairobi
"New members used to take months before they fully trusted us with their money. Now we show them our Ledgera records on the first day. They can see exactly how the group has been run. That conversation doesn't happen anymore."
Judith K. · Group Secretary, Karen, Nairobi
Talk to us first
Not sure if Ledgera is right for your group?
Call or WhatsApp +254 728 121 374. We are based in Nairobi. A real person answers. No bots, no scripts.
Next step
Run a chama people take seriously. Free.
Free to start. Set up in minutes. No credit card. No spreadsheets.
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