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Enterprise Fintech for Kenyan Chamas

Powerful Modules Built for Kenyan Groups

From table banking and merry-go-rounds to investment SACCOs and welfare kitties, Jazisha automates your entire financial lifecycle with complete transparency and bank-grade security.

M-Pesa STK Push
Mandatory 2FA
Multi-Signatory Rules
AUTOMATED SAVINGS

Contributions & Savings

M-Pesa STK Prompt Reconciliation

Automate monthly and weekly savings with direct M-Pesa STK Push prompts sent to member phones. Eliminate manual bank slip entry and WhatsApp screenshot reconciliation.

Key Capabilities:
  • Automated M-Pesa STK Push prompts on due dates
  • Individual member savings, welfare & share capital ledger
  • Custom fine and penalty automation for late contributions
DIGITAL CREDIT

Loans & Digital Guarantors

Online Loan Applications & SMS Approvals

Members apply for loans online. Digital guarantors receive one-click SMS confirmation links to pledge shares before treasurer final approval and M-Pesa disbursement.

Key Capabilities:
  • Flexible interest models: Reducing balance, Flat rate, or Amortized
  • SMS-based guarantor requests and digital approval signatures
  • Guarantor liability tracker capped strictly at member savings balance
ROTATING SAVINGS

Merry-Go-Round Rotas

Revolving Fund Automation & Turn Swapping

Run transparent rotating table banking cycles. Schedule payout turns, allow members to request turn swaps with admin approval, and execute one-click bulk payouts.

Key Capabilities:
  • Automated sequence generation (random, seniority, or custom order)
  • Member-to-member turn swap requests with executive approval
  • Turn-specific contribution trackers with instant deficit alerts
COMMUNITY SUPPORT

Welfare & Benevolent Kitty

Emergency Relief & Transparent Claims

Ring-fence emergency funds for medical emergencies, bereavement, weddings, or education. Members submit claims with verification docs for committee approval.

Key Capabilities:
  • Dedicated benevolent kitty isolated from main investment funds
  • Digital claims submission with medical/bereavement proof upload
  • Multi-signatory committee voting (Chairman, Treasurer, Secretary)
PROJECT FUNDRAISING

Mchango & Fundraisers

Targeted Drives with Live Progress Bars

Raise funds for specific milestones like buying land, commercial plots, weddings, or legal fees. Share public or private donor links with real-time progress meters.

Key Capabilities:
  • Targeted fundraising drives with customized financial targets & deadlines
  • Live M-Pesa Paybill / Till integration for instant balance updates
  • Public and private leaderboards highlighting top contributors
AUDITED LEDGERS

Audited Financial Reports

Instant Tax, Trial Balance & Balance Sheets

Generate audit-ready financial statements in seconds. Export trial balances, cash flow summaries, income statements, and tax reports certified with cryptographic hashes.

Key Capabilities:
  • One-click Balance Sheets, Cash Flow & Income Statements
  • Double-entry general ledger with automatic reconciliation
  • Tax-compliant annual financial summaries exportable for KRA

Ready to Digitize Your Chama?

Set up automated M-Pesa savings, digital loan books, and real-time reports in under 3 minutes.