Financial resources
The documents, templates and training that make a chama work, free to use, whether you join ours or start your own.
Documents
Model chama constitution
Summary + file
Download TemplateContribution and loan ledger
Summary + file
Download GuideRunning a general meeting
Summary + file
Download GuideSetting a contribution your members can actually keep
Summary + file
Download TrainingBudgeting on an irregular income
Summary + file
Download TrainingPricing a small enterprise
Summary + file
DownloadFinancial literacy, without the condescension
Most financial education aimed at low-income groups assumes ignorance. Our members are not ignorant of money, they are managing more risk with less margin than the people writing the guides. These materials start from that assumption.
Yes. The constitution template and the ledger are free to copy and adapt for any group. If it helps another community start a chama, that is a good outcome.
Confirm training schedule and how to request a session
No. A chama and a SACCO are different structures with different registration and regulation. Confirm our registration status and state it plainly here, this is a question funders and members both ask.