Features

Everything your chama needs.
Nothing it doesn't.

Chamabox is purpose-built for Kenyan savings groups — every feature is designed around how chamas actually operate.

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M-Pesa Integration

Collect payments the Kenyan way

Chamabox connects directly to Safaricom's Daraja API. Members pay contributions and loan repayments via STK Push — and every transaction is automatically reconciled to the right account.

  • STK Push: member receives a prompt on their phone
  • Auto-match payments to member + contribution type
  • Real-time transaction notifications
  • Full M-Pesa transaction history with receipts
  • Works with till numbers and paybill numbers
M-Pesa Transactions
Jane Wanjiku
Monthly Savings
+KES 5,000
11:24 AM
Peter Kamau
Loan Repayment
+KES 8,500
11:18 AM
Mary Otieno
Welfare Contribution
+KES 1,200
10:55 AM
David Mwangi
Monthly Savings
+KES 5,000
10:42 AM

Loan Applications

Members apply online, officers review

Interest Calculation

Auto-computed monthly or flat rate

Repayment Schedules

Clear timelines sent to members

Penalty Tracking

Auto-flags overdue accounts

Loan Management

From application to full repayment

Handle the entire loan lifecycle in one place. Members apply, officers approve or reject with a reason, disbursements are recorded, and repayments are tracked automatically.

  • Member online loan application
  • Multi-level approval workflow
  • Configurable interest rates
  • Automatic overdue penalties
  • Loan waivers with audit trail
  • Email notifications on every status change
Savings Management

Know where every shilling is

Track monthly contributions per member, cumulative balances, and missed payments — with a complete audit trail and automated reminders for defaulters.

  • Per-member savings ledger
  • Monthly contribution targets
  • Late payment fines & tracking
  • Interest on savings (configurable)
  • Bulk contribution recording
  • Missed payment reports
Member Savings Overview
J
Jane W. KES 85,000
85%
P
Peter K. KES 72,000
72%
M
Mary O. KES 96,000
96%
D
David M. KES 60,000
60%
G
Grace N. KES 88,000
88%

And much more

Chamabox covers every aspect of running a modern chama.

Member Management

  • · Member profiles & contacts
  • · Online registration requests
  • · Member status management
  • · Individual member dashboards
  • · Document uploads

Financial Reports

  • · Income & expense statements
  • · Per-member PDF statements
  • · Loan book reports
  • · Monthly summary PDFs
  • · Excel / CSV exports

Welfare Fund

  • · Separate welfare ledger
  • · Welfare contribution tracking
  • · Disbursement records
  • · Welfare fund balance
  • · Beneficiary records

Security & Access

  • · Role-based access control
  • · Admin, treasurer, secretary roles
  • · Full audit log
  • · Secure password resets
  • · HTTPS + encrypted passwords

Email Notifications

·Loan approval / rejection emails
·Monthly member statement emails
·Loan repayment reminders
·Overdue payment alerts
·Welcome email for new members
·Password reset emails

System Settings & CMS

·Configurable interest rates
·Custom contribution amounts
·Public website CMS content
·System health monitoring
·Registration approval flow
·Audit log & activity tracking

See every feature in action

The live demo gives you full admin access — explore every module with pre-loaded sample data.

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Chamabox

Chamabox Support

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👋 Hi there! How can we help you get started with Chamabox today?

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+254 708 927 425

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+254 708 927 425

Email Us

info@chamabox.com

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