SACCO & chama management, from contributions to dividends
Contributions collected, loans tracked and every member able to see their own statement. TENari gives SACCOs and chamas a transparent, M-Pesa-native way to run member money — and keep the trust that holds the group together.
Why operators switch to TENari
Chamas and SACCOs run on a treasurer's goodwill and a notebook — until someone questions the numbers. TENari records every contribution and loan, so every member can see the truth and the group stays together.
Everything SACCO & Chama needs — nothing it doesn’t
Built with operators like you — M-Pesa & mobile-money native, multi-currency.
Member register
Every member's details, contributions and standing in one place.
Contribution tracking
Record monthly contributions, see who's paid and who's behind, and collect by M-Pesa.
Loan management
Issue loans, track repayments and interest, and see exposure at a glance.
Dividends & payouts
Calculate and record dividends and share-outs fairly and transparently.
Per-member statements
Each member logs in to see only their own contributions, loans and balance.
M-Pesa collection
Contributions and repayments come in by M-Pesa and reconcile automatically.
Meetings & records
Keep minutes, resolutions and financial packs in one defensible place.
Audit trail & roles
Every action logged by user and time; chair, treasurer and secretary get the right access.
Live in minutes, not months
Set up the group
We load your members and rules — free.
Collect and lend
Contributions and repayments come in by M-Pesa and reconcile automatically.
Share out fairly
Dividends and statements are calculated transparently for every member.
Questions operators ask
Can each member see only their own statement?
Yes. Members log in to a private view of their own contributions, loans and balance.
Does it handle loans and repayments?
Yes. Issue loans, track repayments and interest, and see the group's exposure at a glance.
Can members contribute by M-Pesa?
Yes. Contributions and repayments are collected via M-Pesa and reconcile automatically.
Is it for chamas or registered SACCOs?
Both. It suits investment chamas and registered SACCOs that need transparent member accounting.
See SACCO & Chama on your own units
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.