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

Group Climate Group climate is the emotional atmosphere, the enveloping tone that is created by the way we communicate in groups. A positive climate exists when individuals perceive that they are valued, supported, and treated will by the group. A... View Article

Communication Climate Communication climate is the relative acceptance or rejection a group member feels based on the social and psychological tone of the relationships established among group member. Supportive Communication Climate In a supportive communication climate, group members feel their... 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