Module · Savings

Know exactly where every shilling is.

Per-member savings ledgers, monthly contribution targets, automatic late fines, and one-click defaulter reports — for chamas of any size.

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Member Savings — May 2026

Target KES 5,000 / member

87% on track
Jane W. KES 5,000 / 5,000
Peter K. KES 4,200 / 5,000
Mary O. KES 5,000 / 5,000
David M. KES 2,500 / 5,000
Grace N. KES 5,000 / 5,000

Full audit trail

Every contribution. Every fine. Every adjustment.

Chamabox™ keeps a per-member ledger that's append-only — you can correct, but you can never silently delete. Members trust the numbers because the history is visible to them.

  • Per-member savings ledger with running balance
  • Custom monthly contribution targets per group or per member
  • Configurable late payment fines (flat or % of missed amount)
  • Optional interest on savings (annual, computed monthly)
  • Bulk contribution recording for offline meetings
  • One-click defaulter & late-payment reports
/portal/savings

My Savings Balance

KES 187,500

↑ KES 5,000 this month

May 2026 target KES 5,000 / 5,000
May 12
via M-Pesa
+KES 5,000
Apr 11
via M-Pesa
+KES 5,000
Mar 15
via Bank
+KES 5,000

Frequently asked

Questions about this feature

Yes. Set a default group-wide target, then override per member for SACCOs with tiered membership.
You configure the cutoff date (e.g. 5th of the month) and the fine amount or percentage. Chamabox™ auto-applies them on the next day.
Yes — the bulk contribution tool lets the treasurer enter all members' payments in a single screen and post them in one batch.
Every member has a portal with their full savings history, monthly target progress, and missed contribution alerts.

Keep exploring

Related Chamabox™ features

Member Management

Onboard members online, store KYC documents, and give every member their own self-service portal.

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Financial Reports

Generate per-member statements, income & expense reports, loan books, and monthly summaries — exportable to PDF or Excel.

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Welfare Fund

Run a parallel welfare account with its own contributions, claim approval workflow, and beneficiary letterhead PDFs.

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