“Leadership is the ability of a superior to induce subordinates to work with confidence and I zeal” — Koontz and ‘Donnell. Leadership may be defined as a position of power held by an individual in a group, which provides him... View Article

How your Chama can invest in T-bonds and T-Bills Chama experiences various challenges in handling money. Most groups work on high self-assurance and in the case of problems, money recovery gets to be troublesome. To avoid the very nature of... View Article

Accumulating Savings and Credit Association  Individual saving can be done either by having an account in a banking institution or having a piggy bank.  When one joins a group they learn to save as part of the group.  Choices of saving... View Article

Leaders need to show more composed in any Chama when there is a meeting or a problem to be handled.Leaders must have greater poise, agility and patience to lower the impact of uncertainty. How leaders respond to growing pressure in... View Article

 The five C’s of  a Chama Clear Expectations Chama members wouldn’t know how to achieve the best if they have no clear idea of what their goal is. Communication about the group expectations should be done as early during the... View Article

  Some Chama’s opt to move as investment options whereby after a long stretch of time the funds are re-invested for the individuals’ advantages. However, a major portion of existing groups do not invest. The few opt to make investment... View Article

Young Chama’s consist of members whose age groups fall between 18-35 years. According to statistics, the unemployment rate in Kenya in 2011 was at 40% majority comprised of the youth (World Bank, 2011). Youths are therefore encouraged to join Chama’s... View Article

Making the decision Imagine gathering people in a room to make a simple decision on whom to lead them and nothing happens! Frustration walks in when people cannot come up with a decision. Agreeing upon officials  to lead a group is important... View Article

How to set your Chama’s Foundation Chama leaders are most vulnerable in their first few months with their new Chama. It’s a bit like starting a new job; those early impressions, right or wrong, can really stick. And the stakes... View Article