The Chama Treasurer's Toolkit Clean Records for Merry-Go-Round & Table Banking

Stop losing track of who paid what. A simple record-keeping system for CHAMA treasurers: no app, no signup, just a spreadsheet that works.

Kenya has over 300,000 chamas, and the single biggest reason groups struggle isn't lack of savings discipline; it's messy records. Unclear who paid what. Confusion over whose turn is next. Disputes over loan balances that nobody can settle because nobody wrote it down properly.

The Chama Treasurer's Toolkit fixes that using a tool you already have, with zero sign-up and zero monthly fees.

What you get:

The Guide—how Merry-Go-Round and Table Banking actually work, how to run either one fairly, and the habits that keep every member's trust intact

The Tracker—Member Register, Contribution Log (with M-Pesa reference tracking), Merry-Go-Round Rotation Tracker with an auto "who's next" lookup, Table Banking Loan Tracker with auto-calculated interest and balances, Meeting Minutes Log, and a live Dashboard flagging missed payments and overdue loans

Who this is for: Any chama treasurer, secretary, or member tired of reconstructing records from memory, whether you run a simple merry-go-round, full table banking, or both.

Not financial or legal advice: a record-keeping system. Loan terms and interest rates should always be agreed formally by your group.