Ratibu Chama

Ratibu Chama is a financial and group-management app for chama members who want to manage money and group activity in one place.

With Ratibu Chama, you can:

join or create chamas
view wallet balances and transaction history
send money and make transfers
save toward personal goals
request and track loans
schedule and join chama meetings
complete KYC and profile setup
generate and share statements
use M-Pesa-linked payment flows and account tools
The app is designed to help members stay organized, track contributions, and follow group decisions with less manual work. It supports everyday chama operations, member workflows, and financial record keeping in a single mobile experience.

Ratibu Chama is built for members, treasurers, and chama leaders who need a simple way to manage group finance, savings, and coordination from their phone.