A fully governed group from day one
Set contribution amounts, define loan rules, and invite members with a link. Your governance framework is live before the first shilling is collected. No technical knowledge needed.
What Ledgera does
The full financial system a serious chama needs.
Governance enforced automatically. Records any bank manager would accept. Reports ready before every meeting.
Every shilling receipted. Every dispute settled.
Log the M-Pesa transaction code, post the payment, and a receipt is generated. The reference is on record permanently. No dispute later about whether it went through. No negotiation at the next meeting.
Loan decisions that protect your friendship
Members apply. Ledgera checks eligibility against your group's own rules. You approve or reject. The decision is recorded. No room for favouritism. Repayments tracked automatically. Nothing lives in someone's memory.
Walk in with the full accounts. Every time.
Contributions, loans, defaulters, member statements — PDF or CSV, generated in two minutes. Walk into any meeting with a complete set of accounts. Every member sees the same picture.
How a month looks
Three steps, every month.
1. Record contributions
Mark each member's payment, attach their M-Pesa reference, issue a receipt. See who has paid and who has not. No phone calls, no guessing.
2. Handle loan requests
Members apply through the platform. Ledgera checks eligibility against your rules. You approve or reject. Everything recorded automatically.
3. Generate your reports
Full month-end accounts ready before the meeting starts. Share them with every member. Everyone sees the same numbers, drawn from the same records.
What your records unlock
Clean books are the foundation of a serious chama.
They are what lets a chama apply for bank loans, open investment accounts, and attract members who take their money seriously. Here is what a Ledgera-run chama can do that others cannot.
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.
Member access
Members see their own records. Without asking you.
Members stop texting the treasurer to ask how much they have paid this year. They log in and check for themselves — balance, contribution history, loan status, downloadable statement. The treasurer gets fewer interruptions. The member gets an answer in thirty seconds. Everyone trusts the same source.
Start Your Chama
Next step
Run a chama people take seriously. Free.
Free to start. Set up in minutes. No credit card. No spreadsheets.
Start Your Chama. Free.
Free to get started · No credit card