📈 Investment Clubs · SACCOs · Chamas

Grow it together.
Share it fairly.
Pay out by M-Pesa.

Run your investment club, SACCO, chama or cooperative on one wallet — members and shares, ring-fenced funds, a live investment portfolio and asset register, and a one-click dividend that lands in each member's M-Pesa. No spreadsheets. No treasurer holding the cash.

Start Your Group — Free See How It Works

Built for Every Member-Run Group

One wallet. Every member.

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Treasurer / Chair

See every shilling: who has contributed, what the group owns, what each fund holds. Declare a dividend and the per-member split is computed for you — fairly, to the cent.

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Members

Contribute by M-Pesa, see your shares and the group's worth, and get your dividend straight to your phone. No waiting for the treasurer to "send it later".

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The Group Itself

Money sits in the group's own ring-fenced wallet, not a person's pocket. Meetings, minutes and votes are recorded. The book balances — always.

The Problem Today

Most groups still run on a notebook and one person's trust.

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The treasurer holds the money Contributions sit in one person's M-Pesa or bank account. When they travel, fall sick, or fall out with the group, the money — and the trust — is at risk.

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Dividends are split by hand Working out who gets what — equally, by shares, or by how much each contributed — is a late-night spreadsheet job. One rounding error and members argue.

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Nobody really knows what the group is worth The plot, the T-bills, the SACCO shares, the equipment — scattered across WhatsApp screenshots and memory. No single, live picture of the group's wealth.

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Pay-out day is a whole-day affair Sending each member their share one M-Pesa at a time, ticking names off a list, re-sending the ones that bounced. It should take one click.

How It Works

Set up the group once. Everything else flows.

From contributions to dividends, the whole group runs from one wallet under one number.

Register the group & add members

Create the group, pick your type (investment club, SACCO, chama, cooperative…), and add each member with their phone and shareholding. Switch on the modules you need — funds, investments, assets, dividends, governance.

Collect contributions into ring-fenced funds

Members pay monthly dues, savings or share capital by M-Pesa. The money lands in the group's own funds — Emergency, Development, Investment — each a separate, protected pot. Not anyone's personal account.

Track what the group owns

Record every investment (land, T-bills, MMF, stocks, livestock) and asset, with cost, current value and income. The portfolio shows the group's worth and ROI — live, in one place, for everyone to see.

Declare a share-out — paid in one click

Choose a fund and an amount, split it equally, by shares, or by contribution, and review the per-member breakdown. Confirm, and each member is paid straight to their M-Pesa. Any that bounce, you retry — done.

What the Treasurer Sees

SHARE-OUT

Pamoja Investment Club · 2026

2026 Dividend — by shares

From Investment Fund · KES 240,000 · 6 members

Wanjiru, Grace 40 shares

Otieno, Steve 30 shares

Mwangi, Peter 30 shares

Achieng, Linet 20 shares

Kiprop, Daniel 15 shares

Splits to the cent One click → 6 M-Pesa payouts

Features

Everything a member-run group needs.

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Members & shares register

Every member, their role and shareholding in one place. Contribution and loan history reads live — never re-typed.

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Ring-fenced funds

Emergency, Development, Investment — each a separate protected pot in the group's wallet, with an approval gate before any money leaves.

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Investment portfolio

Land, T-bills, MMF, stocks, livestock — track cost, current value and income, and see the group's total worth and ROI at a glance.

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Asset register

Everything the group owns — equipment, vehicles, property — with location, owner and current value. Nothing forgotten, nothing lost.

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One-click share-out

Dividends, bonuses or profit, split equally, by shares or by contribution — computed to the cent and paid to each member by M-Pesa.

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Meetings & voting

Agendas, minutes, attendance, resolutions and one-member or share-weighted votes — your governance, on the record.

Why Groups Trust It

The money lives with the group, not a person.

Contributions sit in the group's own ring-fenced wallet. Every movement is double-entry recorded and the book always balances — so what the dashboard shows is exactly what the group holds. A share-out can only pay what a fund actually contains, and members are paid directly, never through a treasurer's pocket.

Stop running the group on trust alone.
Start in minutes.

One wallet for the whole group — members, funds, investments, assets and dividends. Members pay in by M-Pesa and get paid out by M-Pesa.

Start Your Group →

Free to set up · No monthly fee · Switch on only the modules you need

Grow it together.Share it fairly.Pay out by M-Pesa.