A welfare group exists for the hardest moments: a death in the family, a hospital bill, a wedding or a new baby. When a member is grieving, the last thing they need is a delay or an argument about the rules. ChamaBook keeps contributions up to date and claims moving.
What welfare groups need
Members who are paid up when a claim comes in
Claims with the right documents, reviewed quickly
Payouts approved by more than one official
A clear record of what each member has received
How ChamaBook helps
Welfare contributions. Monthly or per-event contributions by M-PESA, with reminders to those behind.
Claims in the app. Members claim for bereavement, hospital, wedding or childbirth and attach documents such as a burial permit or hospital bill.
Committee approval. Officials review each claim and approve the payout with codes; the claimant can never approve their own.
Open books. Members can see the fund balance and what has been paid out, so trust holds.
A typical set-up
KES 300 a month into the welfare fund, KES 50,000 for the death of a member and KES 20,000 for an immediate family member, paid within 48 hours once two officials approve.
Questions welfare groups ask
How do welfare claims work?
A member submits a claim (for example bereavement or a hospital bill) with documents from their phone. Officials review it, approve an amount and raise the payout, which still needs the group's approvals before money is sent.
Can we set different benefit amounts for different events?
Yes. Suggested amounts for each type of claim are set in the group's settings, and officials can approve a different amount with a note when a case needs it.