It is now around the middle of the year. Much has happened in your group for the past six months: there have been the good times and the bad times. All in all, it is about the right time to... View Article

It is rightly said that ‘unity is strength’, and in the case of investment groups, oneness, and unity are vital ingredients to a successful investment journey. When group members are united, it becomes much easier for agreements to be struck... View Article

One of the most important decisions that members of any investment group will have to make is the decision regarding the type of their leaders. It doesn’t matter how poetic the group manifesto is, how high they have set their... View Article

Every social setup is bound to experience some form of friction from time to time. For chamas and other investment groups, even with a vigorous vetting process and careful selection of new members in a quest to avoid internal squabbles,... View Article

Napoleon Hill, in his best-seller “Think and Grow Rich” observes that “…wishing will not bring you wealth. But …desiring wealth with a state of mind that becomes an obsession, then planning definite means and ways to acquire wealth, and backing... View Article

So your chama has now grown from the small, naive group it was at the beginning to a position where you can qualify for a bank loan . Probably you have already registered yourselves as a SACCO and are looking... View Article