When people come together to save as a group—whether it’s family, friends, or your local community—there’s real power in that unity. But let’s be honest, saving as a chama isn’t always easy. Disagreements happen. Trust gets tested. And sometimes, it just feels like your group is stuck in the same financial cycle.

But what if we told you that with a few practical habits, your chama can actually thrive—not just survive?

Here are 5 real, relatable tips that can help your chama save smarter, build trust, and reach your goals faster:

1. Agree on a Shared Goal

Saving without a clear purpose is like driving with no destination. Your chama should agree on why you’re saving. Is it for land? School fees? A group business?

When everyone is aligned on the goal, it’s easier to stay committed and accountable.

2. Automate Contributions

Let’s be honest—reminding members every month gets exhausting. And someone always forgets.

Instead, try automating your contributions. With platforms like ZenLipa Chama App, members can schedule their savings, so no one has to do the chasing. It’s consistent, stress-free, and keeps the group disciplined.

3. Make It Easy to Track Contributions

Disagreements often come from poor record-keeping. If someone says they paid and the treasurer says they didn’t… things can get heated.

That’s why your group needs a chama app that tracks every transaction clearly. With ZenLipa, every member can check their records anytime—no arguments, just transparency.

4. Celebrate Milestones Together

Saving isn’t just about money—it’s about motivation. Whether you hit your first 50K or complete your first group investment, celebrate it!

Recognizing progress builds morale and helps members feel valued and excited about the future.

5. Build Trust with Systems

We all want to trust our group members—but trust should be backed by structure.

Use a chama software that offers:

• A shared digital wallet
• Signatory-based approvals
• Real-time WhatsApp updates
• Transparent reports and withdrawal logs

These systems reduce the friction that can break a group apart.

Bonus Tip: Start Using the Right Chama App in Kenya

If your chama is still relying on manual records or endless WhatsApp messages, it’s time to upgrade.

The ZenLipa Chama App is the most intuitive and reliable chama app in Kenya, designed for saving, investing, and managing group finances with confidence.

With ZenLipa, your group gets:

• A shared wallet with clear records
• Automated contribution tracking
• Secure, multi-signatory approvals
• Real-time updates via WhatsApp
• Easy-to-download statements
• Monthly statements sent to your emails, automatically
• Penalties - ensuring that members conform to the set rules

To get started with ZenLipa Chama App,

• Download the app using this link
• Log in using your email
• Create your chama
• Invite other members to your chama by sharing with them your chama code, assigned to you after registration

Click here to start using Zenlipa today