Staff welfare funds and workplace savings schemes are trusted with colleagues' money, usually by volunteers with day jobs. ChamaBook takes the record-keeping off their desks and gives every colleague their own statement.
What workplace and staff groups need
Monthly contributions from every member of staff
Emergency loans repaid on payday
Welfare payouts approved quickly
Records that survive staff turnover
How ChamaBook helps
Monthly contributions. Members pay by M-PESA or the treasurer records a payroll deduction for everyone at once.
Emergency loans. Short loans with schedules that match payday, and penalties for late repayment if you want them.
Welfare claims. Bereavement and hospital claims with documents, approved by the committee.
Leavers. When someone leaves, close their membership and settle their balance with a full record.
A typical set-up
KES 1,500 a month deducted from salary, emergency loans of up to KES 30,000 repaid over three months, and bereavement support of KES 40,000.
Questions workplace and staff groups ask
Can a staff welfare scheme use ChamaBook?
Yes. Staff contribute monthly by M-PESA, claims and emergency loans are approved by the committee with one-time codes, and members check their balances on their phones.
Do we need a separate Paybill for the scheme?
It is best to use a Paybill or till that belongs to the scheme, so its money stays separate from the employer's. ChamaBook connects to your own number and never holds the money.