Is Your Chama Still Using a Notebook? There's a Better Way.

The Chama Is the Backbone of Kenya's Economy

1 in every 3 adult Kenyans belongs to a Chama. Collectively, these investment groups control over KSH 300 billion in assets, a staggering figure that puts Chamas at the very heart of how Kenyans build wealth.

It's not hard to see why Chamas have thrived. They're built on trust, flexibility, and community. Members are friends and family. There's no need for expensive lawyers or complex governance structures. You pool money, you invest, you grow together.

But as Chamas grow, so do the cracks.

Missed payments go unrecorded. Loan repayments become a matter of memory. Fines are disputed. Secretaries spend hours reconciling handwritten notebooks. Treasurers field accusatory questions because there's no shared view of the books. What started as a trusted circle can quickly become a source of conflict.

The problem isn't the Chama. The problem is the tools.

Introducing Zedek Bookkeeping: Built for the Way Kenyan Chamas Work

Zedek Bookkeeping is a digital platform built specifically for Kenyan Chamas. It replaces the notebook, the spreadsheet, and the WhatsApp voice note with a single, secure system where every member can see every transaction in real time.

We didn't set out to reinvent how Chamas work. We set out to empower them.

Zedek is a tool for secretaries and treasurers who want to spend minutes, not hours, on bookkeeping. It's a transparency tool for members who want confidence in their leadership. And it's a growth tool for Chamas that are ready to be professional, audit-ready, and conflict-free.

What Zedek Can Do For Your Chama

Zedek is organised into 9 core modules, each handling a critical function of Chama operations:

1. Contributions

Set recurring or one-time contribution targets and track who has paid and who is still pending, all visible to every member in real time. No more chasing payments via WhatsApp.

2. Loans

Issue loans directly from the Chama pool. Zedek automatically tracks interest accrual, repayment schedules, and outstanding balances, so both the admin and the borrower always know exactly where things stand.

3. Fines

Assign fines for late payments, missed meetings, or other group infractions. Every fine is timestamped and tracked — removing ambiguity and putting disputes to rest before they start.

4. Expenses

Record every operational cost, venue hire, catering, and legal fees with full categorisation. Clean books make for straightforward audits.

5. Reports

Generate cash flow statements, loan summaries, and contribution reports with a single click. All reports export to PDF, ready to share at your next meeting or with any external partner or financial institution.

6. Membership

Add or remove members easily, and give every member transparent access to the group's full financial history. No secrets. No disputes.

7. Meetings

Schedule and manage Chama meetings within the platform. Record minutes, track attendance, and store all documents in one central location — accessible to all members, anytime.

8. Reminders

Automated reminders via SMS, Email, WhatsApp, and in-app notifications for contribution due dates, meeting schedules, and loan repayment deadlines. Nothing falls through the cracks.

9. Finances

Record the group's investments, incomes, and savings. Track the Chama asset portfolio, dividend payouts, and capital gains in real time — giving leadership a complete picture of the group's financial health.

The WhatsApp Bot: Record Transactions Without Opening the App

One of Zedek's most popular features is the built-in WhatsApp Bot — designed for the way Kenyans already communicate.

Members can record transactions directly from WhatsApp, without installing any additional app. Here's how it works:

1. A member sends a simple, tagged message — for example: #CONTRIBUTION 2000 March or #LOAN repayment 5000
2. The Zedek bot instantly captures the transaction and queues it for admin review
3. The admin approves or rejects the entry — only approved records reach the books

Supported transaction tags:

• #CONTRIBUTION — Record a member contribution
• #LOAN — Submit a loan repayment
• #FINE — Record a fine payment
• #MEMBER — Add a new member to the Chama

This means even members who aren't comfortable navigating apps can still participate in record-keeping fully and accurately — right from their WhatsApp.

Security, Transparency & Trust

Zedek is built on a foundation of trust:

• Every transaction is timestamped and visible to all members — creating a fully transparent ledger
• Admin approval workflows ensure no unauthorised entries reach the books
• Audit-ready reports can be generated at any time
• No hidden fees, no data sharing — your group's information stays private and secure

Plans & Pricing

All Zedek plans include the same full feature set: unlimited members, WhatsApp bot integration, multi-channel reminders, audit-ready reports, priority support, and an onboarding call. No contracts, cancel anytime.

A 28-day free trial is available on all plans, no credit card required.

Getting Started Takes 4 Steps

1. Create your Chama — Click "Create Chama" and give your group a name
2. Add your members — Invite existing Zedek users or send invitations to new ones
3. Configure your settings — Set contribution amounts, loan policies, meeting schedules, and reminder preferences
4. Start recording — Track everything in real time, with every member able to follow every activity

Ready to Take Your Chama Digital?

Over 5,000 Kenyan Chamas are already managing their finances with Zedek.

If your group is still relying on notebooks, spreadsheets, or fragmented WhatsApp threads, now is the time to make the switch. Transparent. Automated. Trusted.

👉 Start your free 28-day trial at zedek.app

Have questions? We're happy to walk your group through a personalised demo.

📞 Call 0791 638 574

📞 Call / WhatsApp: 0797 737 137 | 0716 642 790

📧 Email: info@zedek.app

🌐 Website: zedek.app

📍 Seasons Road, Kasarani, Nairobi, Kenya

Haba na haba, hujaza kibaba.