As your Chama continues to build its investment portfolio, you should think about bond investment. Bonds can benefit your Chama in a number of different ways, but they are definitely not for everyone. Here are a few things to consider... View Article

Meetings are an indispensable part of Chamas. Members must meet every week or every month to conduct affairs of the Chama. If you lead Chama meetings or attend them as a participant, you know that some people do things that... View Article

Chama meeting absenteeism is a very frustrating problem for any Chama leader. Members who do not show up at all pose obvious difficulties to any Chama and must, quite definitely, be dealt with. Don’t rush to punish absent members. It is... View Article

Congratulations, you have just formed your Chama. Your first meeting went very well and everyone seems happy and ready to go. Wait a minute. Where do you go from here? How do you ensure that your members remain enthusiastic? Build... View Article

Is it wise for your Chama to borrow money to invest? Yes and No. If we borrow from one party to invest the money and make a profit, that makes sense. After all, you will beat the interest rate you are... View Article

We are in Chamas to make money and many of us are probably familiar with the advice: to become rich and wealthy, you must become an investor; grow your money; get your money to work for you. Unfortunately, too many... View Article

How safe are your Chama investments? You are generally exposed to three kinds of risk with your investments, no matter whether they are risky or safe. The first is a possibility to lose money. The second is loss of purchasing power,... View Article

For many of us, when we think about forming a Chama, the first people we think of inviting in are our close friends and family members; perhaps your brother, sister, cousin or even parent. Whilst bringing a family member or... View Article

Chamas today and getting more sophisticated when it comes to investment and one vehicle of investment that is bound to give you regular income is Dividends. These are payments that are made from a company to the shareholders of the... View Article

The purpose of joining or forming a Chama is to make money through the pooling of monies from all members then investing it for monetary gain. Since we are in the business of investment, it is important to keep in... View Article