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Zimele ChamaManager

The ChamaManager platform is anchored on the Zimele Savings Plan, licensed and regulated by the Capital Markets Authority (CMA). It offers groups a digital platform for administrating and coordinating their finances regardless of their savings and investment goals.

Any type of group/collective can open a Zimele Savings Plan account and manage it on the platform. Once the account is opened, members can send money to their account via M-Pesa or Bank. The signatories can initiate withdrawals to members or third parties (such as suppliers when the group makes a purchase or investment).

ChamaManager supports group members to remotely keep track of their contributions and disbursements. They can view their individual and group statements of deposits. Signatories also have the capacity to remotely transact and manage membership.

The Zimele Savings Plan is flexible allowing the group/collective to operate on its own rules and terms.

Trusted by 1,000+ groups with 7,000+ members
  • Interest-Earning Account

    The group’s contributions will be kept in the Zimele Savings Plan where it earns interest as they plan & save for their next project.

  • Accountability

    Only signatories can initiate a withdrawal. Other signatories will be notified and asked to approve when one is initiated.

  • Affordability

    ChamaManager is a free service to all groups holding an account with Zimele. The minimum deposit is KES. 100.

  • Convenience

    Signatories can open an account and manage it remotely. Members also have remote access of the group’s financial activities. Deposits are made via M-Pesa or bank.

  • Enhanced Transparency

    Members have access to the group statement and can keep track of which signatory initiated, approved, and processed withdrawals. This increases transparency and trust within the group which is necessary for growth.

  • Easy Administration & Accounting

    ChamaManager will make the administration of the collective and accounting for the contributions easier than ever.

  • Advanced Security

    The fund is regulated by CMA and has a trustee (KCB) and a custodian (Standard Chartered) further ensuring the safety of your money. All transactions are performed electronically guaranteeing a “paper” trail.


  • Group Details (Name and primary contact details)
  • Signatory Details (Full Names, ID Number, copy of ID, Passport size photo, phone number and email address)
  • Members Details (Full Names, ID Number, email address, & Phone Number)

How to Start

  • One signatory will register the group and the signatories on the platform.
  • The Group’s Zimele Savings Plan account number will be sent to the signatory.
  • The signatories can now access the platform and register the other members
  • Members can then begin depositing and viewing their Group’s activities.


  • The platform is operated by Zimele Unit Trust. The standard Unit Trust charges apply. There is no extra cost for joining the platform.
  • The platform is available to members of the Zimele Unit Trust.
  • All third-party costs such as mobile money fees, bank charges, SMS, etc. are borne by the group and its members.

Types of Groups

  • Chamas

    Chamas typically collect money from members on a regular basis and then invest or distribute that money to members. This makes the Zimele ChamaManager ideal for them. For Chamas collecting money for investment, they can earn interest while they build up their capital. Some even consider the Zimele Savings Plan an investment in itself due to the attractive returns. For those collecting money to be distributed back to the member at a later date through a merry-go-round, loans/table-banking, or after a certain period, the platform offers them ease of administration in addition to earning interest.

  • Churches

    Churches and the groups formed by congregants also use the platform. The church itself can keep its excess cash or project funds with the Zimele Savings Plan where it earns interest. Congregants can send their contributions to the account especially when it is meant for a project. The congregants also run welfare, investment, and table banking groups using the church’s network. They can utilize the platform for these groups to make the administration seamless and earn interest on their contributions.

  • Schools

    The platform is also ideal for running a school’s alumni associations and their attendant projects. Alumni networks typically collect funds from their members and these funds might be designated for a certain project. Schools might also want to involve their alumni network in some projects. These projects may include scholarships, bus purchases, new classroom block, among others. This digital platform will enable the segregation of such funds that will support better planning, organization, and coordination when it comes to spending and being aware of the state of funding for each activity. The system can be used for resource mobilization and in the establishment of a scholarship fund or endowment fund. The system supports mobile money deposits with unique identification parameters which enhances broad-based resource mobilization It also has an embedded hierarchical approval system for disbursements building trust and accountability.

  • Associations

    Associations with pooled funds often have various savings and investment objectives. Our digital platform is equipped to accommodate these diverse goals by providing a robust yet flexible and customizable framework. The digital platform serves as a central hub for associations to manage their pooled savings efficiently while earning interest. It offers tools and features that simplify the administration and coordination of contributions, withdrawals, and other financial transaction documentation activities.

Target Savings Calculator​

Calculate how much your group needs to save to reach your target.

Future Savings Calculator​

Calculate the future value of your group's savings.

Savings Time Calculator​

Calculate how long it will take your group to reach your savings target.

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