Frequently Asked Questions

MyChama is a one-stop-shop digital platform where chamas and groups can make all their contributions. It allows for transparency, reduces human error, embezzlement or fraud, and time wastage. The app focuses on small-scale 'chamas' or 'groups' eliminating ordinary meetings and cumbersome paperwork.

Chamacom Limited is the company behind this awesome app. To validate the company existence send the word BRS to 21546

We currently operate in Kenya and hope to expand to more countries in the near future.

In kenya, we support Safaricom. We hope to expand our service coverage to all networks in the near future.

Kindly follow the link below. http://mychama.co.ke/careers Thank you for your interest.

Our core mission is to track contributions in all areas, integrate with the most secured payment gateway:M-Pesa via paybill, sending and receiving texts [photos, videos, documents, and location(coming soon)]

We currently do not provide office support . Please send a message via the app any time or contact us on: customerservice@mychama.co.ke

Once your registered with us, the app will redirect you to a page with a + button typed "Add a private chama" or "Add a public chama". Once you tap the button you will be redirected to another page with full required form to fill. Just follow the instructions and your good to go.

The difference between a private chama and a public is that a private chama only appears on MyChama app when invited and your chama info should be privately accessed or seen by selected members but a public chama may appear on MyChama app without being invited and the owners of the chama would like public access and members to join the group. Please note that not all info will be displayed publicly. This are Chama wallet amounts, phone numbers and transaction of members.

To pay for your registration fee, the app will direct you on how to pay using our paybill number.

Currently Chamacom doesn't allow you to change joining amount once the chama is submitted to us.

To join a chama, you're either invited by the group's directors or admins but this only applies to private chama groups. Once invited you may either accept or decline the chama group offer. You have full control of the app in all areas.

All chama groups available are owned or based by the owners of the chama you want to join or invited to join not Chamacom Limited. The owners of the group have full control of the chama group as if they were in your local area physically. Directors or admins of the chama can opt to charge to join their chama group.

All chama groups available on MyChama App are owned by the Chairperson, Secretary and Treasurer of the individual chama group. The work of MyChama is to connect members to one platform to ease their chama activities.

Chamacom earns revenue in the registration fee which occurs using a tariff guide in either members joining a chama or when chama members contribute for one member to benefit from the total contributions collected.

All the financial and personal information are stored in a world-class encryption technique which protects the data you share with us. This data is only visible to authorized personnel. WE DO NOT SELL YOUR INFO

Once a chama is created it cannot be fully deleted. The chama group will only be deactivated when all members agree to it.

Once you join the group as a member you agree the chama's terms and conditions. This means that Chamacom Limited doesn't control the group's decisions,unless other wise.

The admins i.e( Chairperson, Secretary and Treasurer ) of the chama have full control of chama wallet but this can be changed by the admins if they want chama wallet account to be controlled by all members or selected members.

MyChama due its digital recording tool, can track every member's contribution by member position of the group. This means that the app knows each member's turn to be contributed to and how many members have or have not contributed.

For this kind of situation, MyChama will give a notice to tge treasurer then it's up to the treasurer or all members to decide. Please note that Chamacom is not part of decision making. The App can only deposit all contributions according to the chama's contribution model.

For this kind of situation, MyChama will give a notice to the admins that someone has joined their chama and it's up the admins to decide on what the new member will do but the new member will not interfere with the chama's normal contribution.

Definitely, yes you can. Please note that in this case it will be your internal negotiations.

For this kind of situation, MyChama will not allow even the admins of the chama to edit needed information while contribution is in progress.

MyChama uses your contacts or address book on your phone to ease your job of asking your family and friends usernames/email address, from there you can add members to your chama easily without a hustle. In case you don't find your family/friend contact invite them to download the app.

MyChama App will remind all members the deadline of the contribution,the contribution to be offered and the guidelines on how to make your contribution. This is a bonus for admins of the chama since they do not need to follow the members.

MyChama providers a free messaging service. This means members can message each other with ease.

MyChama doesn't limit one to create or join any chama available but should follow Chamacom terms of service.

MyChama provides a section where admins can send messages to none smartphone users . Please note that the senders message will be from ( Chamacom/MyChama ) This is how the message will look like. Chama name : Chamcom group Purpose : Contribution Paybill : 769712 Account No : CCG1234512345 Amount : 10,000.00 Chamacom thanks you.

We currently do not offer loans but hope to do so as time goes by.

Chamacom terms states that a chama should be owned by three or more members in this category (Chairperson, Secretery and treasurer).

MyChama has an option to create inner projects for all members to contribute to with an aim of a contribution target.

In this case, a chama can hold as many members as posible. MyChama doesn't limit the number of members because each chama is unique on its own.

Currently you cannot use your own paybill however MyChama on the Lending Platform provides a shared Paybill owned by Chamacom Limited for small lenders who may not be able or willing to acquire their own tills. Hence, Lender money on this Paybill sits in a trust account at a duly registered bank. MyChama only holds the digital transaction records for each of these lenders.