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Fintech · Web Platform · Mobile Money
Digitizing how Kenyan savings groups run their money.
Chamas still run on paper ledgers and spreadsheets — contributions are tracked manually, loans and dividends are error-prone, and members have no real-time visibility into their savings.
Client
Chama Group
Duration
8 weeks
Team
Full-stack
// The Problem
The challenge
Chamas still run on paper ledgers and spreadsheets — contributions are tracked manually, loans and dividends are error-prone, and members have no real-time visibility into their savings.
// The Build
Our approach
We built a chama management platform with member onboarding, automated contribution collection via M-Pesa, loan application and disbursement workflows, and transparent dividend calculations.
Next.jsNode.jsPostgreSQLM-Pesa API
// Stack Choices
Why this stack
- 01Next.js for a fast, mobile-first member portal
- 02Node.js + PostgreSQL for ledger-safe transactional records
- 03M-Pesa API (STK push) for collections and disbursements
- 04Automated loan-interest and dividend calculations
// Outcomes
Results
- Automated member contributions via M-Pesa
- Transparent loan and dividend tracking
- Real-time balances for every member
- Meeting minutes and records digitized
“Our chama now runs entirely on the platform — contributions, loans, and dividends are all transparent and automatic.”
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