Your chama's money, on the record.
L-Chama is a community-centric fintech platform that digitizes informal banking systems, enhances contribution management, and streamlines group lending mechanisms.
Platform Top Features
L-Chama digitizes informal banking systems, enhances contribution management, and streamlines group lending mechanisms.
Digital Ledger & Transparency
Automates capital collection, ledger reconciliation, and real-time transaction reporting and remittance reminders. It replaces manual bookkeeping with an audit trail accessible via a unified dashboard.
Social Guarantee
Operates a decentralized trust model where credit facility approvals and loan risk assessments rely on social collateral, peer underwriting, and designated admin authorizations rather than traditional credit scoring.
Digital Group Treasury Management
Offers a digital hub for multi-tiered social structures — investment chamas, merry-go-rounds, diaspora chamas, welfare groups, and Bodaboda associations — to aggregate deposits, manage liquidity, and disburse internal loans.
Products & Rates
Every L-Chama comes with a full suite of products — investment, savings, cover, and credit — all managed from the same dashboard.
Junior Account
6%High-interest custodial savings designed to secure members' children's future education goals.
Lock-in savings triggers, automatic parent-to-child recurring standing orders, and milestone rewards.
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MMF
9% – 13%Maximize returns on capital through money market fund investment.
Daily interest compounding, automated interest generation, and a minimum lock-in of 12 months.
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Savings Account
5% – 7%Flexible, liquidity-focused account for operational group funds.
Tiered interest rates based on average monthly balance, no lock-in period, and zero monthly ledger fees.
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Last Expense Cover
Flexible cover limits for groups.
KES 50,000 to KES 500,000 per member of the group, plus a small additional fee to cover non-members (e.g. spouse and dependents).
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L-Chama Micro Loans
2.5% p.m.Internal chama loans — members borrow against their savings with automated interest tracking and instant M-Pesa disbursement.
2.5% one-off processing fee on the loan amount, repayment over up to 6 months, and disbursement as soon as your chama officials approve it.
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L-Chama Loans
Borrow against your chama's own pooled savings — every decision happens inside your L-Chama, with no external paperwork.
- Fund security guarantees, with a full audit trail on a shared dashboard.
- Automated payment processing and quick disbursement once your chama officials approve.
- 24-hour advance notice for standard withdrawals.
- 24/7 dedicated L-Chama customer support.
Loan Terms — External Chamas
- Interest Rate
- 2.5% per month
- Processing Fee
- 2.5% one-off, on the total loan amount
- Repayment Term
- Up to 6 months
Platform Withdrawal Fee: 5%
A flat 5% platform fee applies to all standard withdrawals — including campaign fund withdrawals — for external chamas (chamas not built directly by Ludeva Plc). There are no other hidden charges.
Chamas built directly by Ludeva Plc operate under the Second Cycle Withdrawal Policy and are exempt from this fee — see our policies or contact us for details.
Fundraising Campaigns
Beyond chama loans, members can start and support community fundraisers — welfare funds, medical costs, education, and causes that matter — right from the same dashboard.
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Active Campaigns
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Total Raised
Run your chama from anywhere in the world
Whether your members are in Dallas, Dubai, London, or Nairobi, L-Chama keeps contributions, loans, and votes on one shared, time-zone-friendly dashboard — no more chasing spreadsheets across group chats.
Multi-Currency Global Gateway & Auto-FX
Fund your chama with the payment rails you already use — ACH/Wire in the USA, SEPA in Europe, Instant Pay/Cards in the UAE and Australia, or M-Pesa/Airtel Money in Africa. Real-time mid-market FX shows exactly what your contribution converts to, and everything reconciles automatically into one clean group balance.
Cross-Border "Cheap Loan" & Guarantee Matrix
Diaspora members or their local proxies and families can apply for low-interest development or emergency loans. A digital Guarantee Lock lets designated members in different time zones sign off and lock a portion of their savings as collateral with a single tap.
Global Investment Portfolio Tracker
Direct plug-ins into high-yield local investment vehicles — MMFs, Treasury Bonds, and vetted real estate — with a live dashboard for portfolio growth, dividends, and each member's share, visible 24/7 wherever you're checking in from.
Async Governance & Time-Zone-Friendly Voting
A chama spanning Sydney, Dubai, London, and Nairobi can't all be online at once. Admins set a voting window — say, 48 hours — for loan approvals or investment moves, so members review, ask questions, and vote whenever they wake up.
Choose your chama level
Every chama picks a monthly contribution level at setup. Members contribute the same amount, month to month.
Nyota
KES1K/mo
Minimum 10 members
Pepea
KES2K/mo
Minimum 10 members
Alpha
KES3K/mo
Minimum 10 members
Beta
KES3K/mo
Minimum 10 members
Juliet
KES5K/mo
Minimum 10 members
Silver
KES10K/mo
Minimum 10 members
Diamond
KES20K/mo
Minimum 10 members
Kings
KES50K/mo
Minimum 10 members
Winners
KES100K/mo
Minimum 10 members
Champs
KES200K/mo
Minimum 10 members
Nyota
KES1K/mo
Minimum 10 members
Pepea
KES2K/mo
Minimum 10 members
Alpha
KES3K/mo
Minimum 10 members
Beta
KES3K/mo
Minimum 10 members
Juliet
KES5K/mo
Minimum 10 members
Silver
KES10K/mo
Minimum 10 members
Diamond
KES20K/mo
Minimum 10 members
Kings
KES50K/mo
Minimum 10 members
Winners
KES100K/mo
Minimum 10 members
Champs
KES200K/mo
Minimum 10 members
Questions, answered plainly.
How the loan guarantees, the savings dashboard, and the rest of L-Chama actually work under the hood.
No credit score — your chama vouches for you instead. A loan request needs two other members to guarantee it, each signing with their typed full name. Once a 2.5% processing fee is confirmed received, your Team Leader (or anyone with approval permission) approves it and funds move from the shared loan account. Interest is fixed at 2.5% per month, capped at 6 months, repaid weekly.
Guarantors are personally liable up to the amount they signed for, which is why guarantors see the full repayment schedule and can track it week by week. It keeps underwriting social rather than paper-based, but it also means only guarantee what you’d be able to cover yourself.
Every deposit and payout entry your admin records — by hand or synced from your chama’s Savings Data sheet — rolls straight into your dashboard: total funds, the milestone bar, the funds-growth chart, and the contributor leaderboard. Nothing on there is a placeholder; it’s all computed from those entries.
Yes. Diaspora chamas run the same way, just flagged on your chama profile so contribution reminders and reporting account for members spread across time zones.
No. Each chama’s membership, permissions, loan account and savings entries are scoped to that team only — members and admins can only ever see the group they belong to.
Savings Account is your chama’s day-to-day operating fund — flexible, no lock-in, tiered interest on the average balance. MMF and the Junior Account are longer-horizon products with their own lock-in periods and higher rates, for capital your chama isn’t touching month to month.
There’s no signup fee. Every chama picks a monthly contribution level at setup — members contribute the same amount each month — and that level is what determines your chama’s tier, not a platform charge.
Ready to start your chama?
Sign up in minutes — you'll own the chama and can invite the rest right after.