Managing a chama effectively can be complex and time-consuming; from the records keeping, to managing the members, updating the loans, keeping up with the contributions, and so much more. As the group also grows, the paperwork grows into mountains of records. Digitizing your chama makes it easy to access the required information in matter of seconds keeping track of all the member contributions, loans and fines, as well as h overall chama financial standing. Digichama has a simple dashboard panel that allows for easy navigation to the specified section required.

Moving from the normal desk paperwork to digital recordkeeping, you chama boasts the following advantages;
1.    Digital Platform
You no longer run the multitude of risks involved in paper work records keeping; such as misplacing the books, lost in a fire, or malice. With Digichama, we use cloud save that ensures your data is safe and easily accessible. We have multi-layered security systems and encryptions that reduce the chances of being hacked.

2.    Transparency and Group Management
Each of the chama members will have access to viewing the group balance, in their own account, thy can track contributions, loans, fees and penalties, as well as receive contribution reminders. Should the leaders try some mischief, the members would be able to see and ask questions. It build for accountability and transparency on how the chama moneys are being used and moving. Manual record-keeping processes, can be time-consuming and error-prone.

3.    Track Savings
Once the group has set a certain goal, all the members can see how they are doing and how far they are yet to go to reach the said goal. A member can also set personal goals and track their progress in the same. This allows for ease of saving, and progress tracking to achieve said goals.

4.    Loans Management
As a member you can see how much you are eligible for from the group as a loan. Through the same platform, you can get to apply for the loan and get it approved by the officials online as well as manage repayments digitally.

5.    Automated Reconciliation
When a member or an authorised leader makes any changes or moves funds, the system easily picks up on that and updates the details instantly. You get your account status in real time, active loans, contribution standing, and more.

By digitizing and automating all chama processes, at Digichama we enable groups function at optimum efficiency, proper transparency, and securely.