Investment groups pool monthly contributions to buy land, shares, bonds and businesses. As the portfolio grows, so do the questions: what is each member's stake, what is the land worth now, and how much can we share out? ChamaBook keeps the answers in one book.
What investment groups need
Each member's shares and savings, accurate to the shilling
A register of every investment with its cost, current value and income
Dividends worked out by balance, not by guesswork
Reports a member can trust before the AGM
How ChamaBook helps
Shares and savings by member. Contributions by M-PESA post themselves to the right member and account, with arrears visible to the treasurer.
Investment register. Record each purchase, revalue it, log rent or interest, and record a sale, all reflected in the balance sheet.
Dividends. Declare from the period's surplus, preview each member's share by closing or average balance, approve, and credit.
AGM-ready reports. Income statement, balance sheet and member statements for any period, ready to print.
A typical set-up
Monthly shares of KES 5,000 due on the 5th, a KES 200 late fine, a welfare top-up, two signatories for any payment out of the group, and a land and T-bill portfolio revalued each year.
Questions investment groups ask
Can an investment group track land and other assets in ChamaBook?
Yes. The investment register records each purchase with its cost, later valuations, income such as rent or interest, and any sale. Values flow into the balance sheet, so members see what the group owns and what it is worth.
How are dividends shared out?
The treasurer declares a dividend from the period's surplus and chooses whether to share it by savings, shares or both, using closing or average balances. Every member's share is previewed before approval, then credited in one ledger entry.