When a member decides to leave the Chama, it brings upheaval to the group as there is less contributions per month plus you have to withdraw savings from the bank or liquidate investments so as to refund to the leaving... View Article

There are several ways to make money out of real estate, but if you want to make sizeable investment in property then one of the ways you can do it is by buying and renovating houses that you can rent... View Article

Have you cast a clear vision for your new Chama? Can your members recite the vision in one sentence? Do they know the specific role they will play to be successful?  One Chama leader made a mistake of putting out... View Article

Whether you lead a small Chama just starting out or you have a large successful well established Chama, every Chama leader runs into these types: The members who don’t seem motivated, don’t deliver what they promise, and seem to spend... View Article

In every Chama, money is always involved. Money which belongs to the Chama as a whole not to the members concerned. The person who looks after the financial affairs of the Chama, the Treasurer, wants to do what is in... View Article

Be creative when planning your Chama meetings . When arranging for a Chama meeting, it is vital to find the right space to get together in. Your surroundings can help to make or break relationships between members and your choice of... View Article

New Chama members represent an important group for two reasons. At the beginning is the best opportunity to lay the foundation for long-term loyalty and the time that most members are likely to leave because the passive members will have... View Article

One day A Chama leader was chairing a meeting and noticed Lisa, an otherwise talkative lady sitting in the meeting looking sad and upset. She could barely say a word. “What’s the matter, Lisa?” the Chama leader asked. The truth... View Article

How many times have you been in a Chama meeting and it just goes on and on with mindless chatter and nothing gets accomplished. Some meetings stretch up to four hours with members just chattering away. How often have you... View Article

Many Chamas have dreams of owning property for rental. There is a strong interest in people looking to enter the property market but typically lending institutions require a deposit of about 20 percent of the total value of the home.... View Article