Chama management software built for Kenya
Run your investment chama the modern way — members contribute by M-Pesa, every shilling is recorded automatically, loans and dividends calculate themselves, and every member sees a statement they can trust. No more treasurer spreadsheets or arguments at the AGM.
Why a treasurer’s spreadsheet and an M-Pesa till stop scaling
Contributions land as M-Pesa messages the treasurer matches by hand, the spreadsheet only one person understands, and every AGM turns into an argument about who paid what. TENari records every contribution automatically, calculates loans, fines and dividends, and gives each member a live statement — so trust replaces suspicion.
Everything a chama needs
Member contributions, loans and dividends — M-Pesa native, built for Kenyan chamas and SACCOs.
Member registry & KYC
Every member with ID, contacts, shares and contribution history — searchable, and ready for compliance.
M-Pesa contribution collection
Members contribute by M-Pesa; each payment auto-matches to the right member and hits the books instantly.
Contributions & fines
Track monthly contributions, arrears and fines automatically by your group’s own rules — no manual tallying.
Loan management
Issue member loans, track repayments and interest, and see exposure at a glance — transparent to the whole group.
Dividends & payouts
Calculate dividends and payouts by shares or contribution automatically, and pay out by M-Pesa.
Member statements & dashboards
Every member sees their contributions, loans and share value in their own dashboard — no logins to share.
Meetings & AGM records
Minutes, resolutions and attendance in one place, with figures the AGM can trust because they reconcile.
Reports & audit trail
Group P&L, member ledgers and a full audit trail — in formats your auditor and members accept.
From spreadsheet to trusted books in days
Onboard your members
We import your members, shares and balances — free — and link your M-Pesa paybill or till.
Contributions collect themselves
Members pay by M-Pesa, contributions auto-record, and fines and reminders apply by your rules automatically.
Everyone sees the truth
Loans, dividends and member statements calculate themselves — the AGM works from numbers nobody disputes.
Questions chama officials ask
Can members contribute by M-Pesa?
Yes. Members contribute to your paybill or till and each payment auto-matches to the right member — no treasurer matching by hand.
Does it handle loans and dividends?
Yes. TENari issues and tracks member loans with interest, and calculates dividends and payouts by shares or contribution automatically.
Can every member see their own records?
Yes. Each member gets a dashboard with their contributions, loans and share value — transparency that ends AGM disputes.
Is our group’s data private and secure?
Yes. Your group’s records are isolated to your account, encrypted, and backed by a full audit trail your auditor can rely on.
See chama management with your own members
Tell us a little about your operation and we’ll set up a tailored walk-through — free onboarding, free data migration. We’ll WhatsApp you to confirm.
Prefer to just chat?
Message us on WhatsApp and we’ll reply fast — real humans, 24/7, not a bot.
Chat on WhatsAppWhat you get
Free onboarding, free migration from your spreadsheets, multi-currency pricing, and M-Pesa built in. No card, no setup fee.