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Every member, deposit and loan in one place.

DaimaFund, our own platform for SACCOs, chamas and investment groups: members, savings, loans, merry-go-rounds, welfare, governance and double-entry books on one ledger. Money comes in and goes out on M-Pesa, and members see their balances on their phones.

Plan your system Click through DaimaFund
Modules
16
Features
206
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1
Smiling woman shaking hands across a desk with charts and a tablet in front of her
Dashboard Search GWGrace WanjiruAdministrator
SACCO Welcome back, Grace Umoja Capital SACCO, Tuesday 6 October 2026. Record contribution Add member New loan
Loan portfolioKES 20,613,76548 active loans
DisbursedKES 28,198,000KES 10.5M collected
Member savingsKES 60,979,000145 active members
Overdue loans2need follow-up
Loan portfolio
LoanMemberOutstandingStatus
UMO-LN-RJ8NJD Hassan Owino KES 40,837 repaying
UMO-LN-4Q2WSK Caroline Waweru KES 868,684 repaying
UMO-LN-7TC3PA Imani Onyango KES 1,394,932 overdue
Recent transactions
Repayment for loan UMO-LN-RJ8NJDKES 4,200 by M-Pesa, 2 min ago
Repayment for loan UMO-LN-4Q2WSKKES 12,500 by M-Pesa, 24 Sep
M-Pesa repayment UMO-LN-RJ8NJDKES 4,200, 24 Sep
Contribution SIJ4K7XQ2PTeresa Kimani, KES 2,000, matched
Loan portfolio KES 20,613,765 48 active loans
Your chama runs on WhatsApp. Excel. Notebooks.
  • M-Pesa matched by handContributions arrive with the wrong reference and someone sorts them out from statements.
  • Loans wait two weeksForms and guarantor signatures travel on paper between the member, office and committee.
  • Members call for balancesEvery statement is a phone call, a lookup and a PDF sent over WhatsApp.
  • Arrears found too lateMissed repayments show up at month end, when the guarantors are already hard to reach.

It deserves better.

The system

DaimaFund. Run your chama like an institution.

Our own SACCO and chama platform, live at daimafund.com: members, contributions, loans, merry-go-rounds, welfare, investments, governance and real double-entry books, all on one ledger and on M-Pesa end to end. Click around the dashboard below: these are DaimaFund's real modules and features.

Try it: open a module from the menu, click a record, filter the list, or press Add member and save.

UCUmoja Capital SACCOSACCO
Dashboard GWGrace WanjiruAdministrator
SACCO Welcome back, Grace Umoja Capital SACCO, Tuesday 6 October 2026.
Loan portfolioKES 20,613,76548 active loans
DisbursedKES 28,198,000KES 10.5M collected
Member savingsKES 60,979,000145 active members
Overdue loans2need follow-up
Loan portfolio
LoanMemberOutstandingStatus
UMO-LN-RJ8NJD Hassan Owino KES 40,837 repaying
UMO-LN-4Q2WSK Caroline Waweru KES 868,684 repaying
UMO-LN-7TC3PA Imani Onyango KES 1,394,932 overdue
Recent transactions
Repayment for loan UMO-LN-RJ8NJDKES 4,200 by M-Pesa, 2 min ago
Repayment for loan UMO-LN-4Q2WSKKES 12,500 by M-Pesa, 24 Sep
M-Pesa repayment UMO-LN-RJ8NJDKES 4,200, 24 Sep
Contribution SIJ4K7XQ2PTeresa Kimani, KES 2,000, matched

Dashboard

Savings, loans, members and cash, live in one place: the first screen every officer sees in the morning.

Open a module

Want this for your SACCO? Start with DaimaFund.

Start a free trial at daimafund.com, or have us shape it around your SACCO with your own name and domain.

Talk to us about DaimaFund Chat on WhatsApp

Custom built, not off the shelf. Every system we build is made to fit the client's needs: the modules, screens, wording and reports follow how your organisation works. The business, names and figures in this demo are examples.

Contributions · M-Pesa

Every shilling, reconciled.

Savings, shares and welfare in, however members pay, matched to the right person.

  • Multiple contribution types
  • M-Pesa STK push from portal
  • Paybill C2B auto-reconcile
Contributions Search GWGrace WanjiruAdministrator
ContributionsTrack all member savings and welfare contributions.
Bulk upload Types Record contribution
This monthKES 2,307,000
This yearKES 19,877,500
All timeKES 34,690,000
Unmatched3from today's import
Search ref, member or member # All type All method Date range
ReferenceMemberTypeAmountStatus
SE62DA8D7B Victor Okello Share capital KES 10,000 confirmed
SE6999FC07 James Gitau Share capital KES 5,000 confirmed
CTB-4LAVWE Neema Keter Monthly savings KES 5,000 confirmed
SIJ4K7XQ2P Teresa Kimani Monthly savings KES 2,000 auto-matched
SIK8B3TR7N Unknown 0722 xxx 418 KES 2,000 unmatched
Contributionslive
SE62DA8D7B Victor Okello confirmed
SE6999FC07 James Gitau confirmed
CTB-4LAVWE Neema Keter confirmed
Loans

Scored, approved, sent to M-Pesa.

The whole loan life: products, applications, guarantors, scoring, M-Pesa disbursement and repayment.

  • Loan products
  • Multiple interest methods
  • Loan application
Loans Search GWGrace WanjiruAdministrator
LoansApplications, active loans and repayments.
Loan calculator Credit scores New loan
PortfolioKES 20.6M
Active loans48
Awaiting approval6
Overdue2PAR 30 at 1.8%
Search loan or member All products All status Disbursed
LoanMemberProductOutstandingStatus
UMO-LN-RJ8NJD Hassan Owino Development KES 40,837 repaying
UMO-LN-4Q2WSK Caroline Waweru Business KES 868,684 repaying
UMO-LN-7TC3PA Imani Onyango Emergency KES 1,394,932 overdue
UMO-LN-9KD2LM Teresa Kimani School fees KES 135,551 approved
UMO-LN-2PX8QE Brian Mutua Business KES 250,000 guarantors
Loanslive
UMO-LN-RJ8NJD Hassan Owino repaying
UMO-LN-4Q2WSK Caroline Waweru repaying
UMO-LN-7TC3PA Imani Onyango overdue
Investments · assets · dividends

Grow the pot.

Land, money market funds, businesses and fixed deposits, with yields shared out fairly.

  • Investment types
  • Group asset register
  • Straight-line depreciation
Investments Search GWGrace WanjiruAdministrator
InvestmentsWhat the group owns and what it earns.
Record yield New investment
InvestedKES 25.0M
Current valueKES 28.7M
ROI+24.8%
Yield this year12.5%
InvestmentTypeCostValueStatus
Kitengela plots (4) Land KES 9,600,000 KES 12,400,000 +29.2%
CIC Money Market MMF KES 6,000,000 KES 6,612,000 +10.2%
Umoja Hardware Business KES 4,400,000 KES 5,150,000 +17.0%
KCB fixed deposit Fixed deposit KES 5,000,000 KES 4,538,000 matures Mar
Infrastructure bond Bond KES 3,000,000 KES 3,180,000 +6.0%
Portfolio value, KES M
May Jun Jul Aug Sep Oct
Invested KES 25.0M Current value: KES 28.7M
Loans

From application to repaid.

The loan journey DaimaFund runs for every member, with each step recorded and every shilling posted to the ledger.

  1. 01

    Apply

    Members apply online, with guarantors asked to confirm on their phones.

  2. 02

    Approve

    Credit-scored from savings and repayment history, then reviewed by the committee.

  3. 03

    Disburse

    Proceeds sent to the member's wallet or straight to M-Pesa.

  4. 04

    Repay

    Schedules track every shilling; reminders go out before and after due dates.

  5. 05

    Close

    The loan closes, the statement updates and the credit score improves.

Live product

Not a mock-up. DaimaFund is live.

These are real screens from DaimaFund, running Umoja Capital SACCO's demo. Start a free trial at daimafund.com (every feature for 3 days, no card needed), or have us shape it into a system with your own name and domain.

Start free at daimafund.com
DaimaFund member profile: wallet, contributions, active loans, KYC, next of kin and activity log
Member profile: wallet, contributions, loans, KYC, next of kin and the activity log.
DaimaFund members list with totals, filters and search
Members: 152 records, statuses, filters and instant search.
DaimaFund contributions list with monthly, yearly and all-time totals
Contributions: every M-Pesa payment matched to a member.
Member app

Members help themselves, any hour.

Members check balances, apply for loans, accept guarantor requests and pay with M-Pesa from their phones. Credit officers work from one queue, and the board sees the whole book.

For members, credit officers and board and management.

Built for Kenya

Wired into how SACCOs run here.

M-Pesa paybill and B2C

Contributions posted by member number, and approved loans sent straight to the member's phone.

Choose a connection to see what it does.

DDaimaFund
Running today

Built for money and live.

DaimaFund (daimafund.com) is our own SACCO and chama platform, also sold under partner brands such as Kibafy. Money-Wise and Peni Africa run their personal finance courses, tools and coaching on platforms we built and host, and we built the websites for GDC SACCO and Apstar SACCO.

Money-Wise home page Money-WiseLearning platform Financial tools, courses and coaching to get out of debt and build wealth across Africa. moneywise.co.ke Peni Africa home page Peni AfricaCoaching platform Personal finance coaching for individuals and couples, with budgets and money plans. peni.africa
See every project
Transparent. Members see live balances. No disputes about who paid what.
Automated. Contributions reconcile themselves. Schedules and statements write themselves.
Built for Africa. Kenya, Uganda, Tanzania and Rwanda, with M-Pesa and mobile money first.
Everything inside

206 features. 23 areas, one system.

Every feature in DaimaFund, grouped by area. Pick an area, or search for the thing you need.

Members

Every member's record, KYC, next of kin and history, kept clean and approved.

  • Manual member creationAdd a single member with full onboarding form. Custom fields per organisation.
  • Bulk CSV importUpload hundreds of members at once with a downloadable template. Bad rows flagged for correction.
  • Public self-registrationBranded URL anyone can use to sign up. Optional fee notice and auto-redirect to payment.
  • KYC captureID number, passport photo, address. Required-fields configurable per organisation.
  • Next of kinMultiple beneficiaries per member, with share percentages for welfare payouts.
  • Member approval workflowNew members start as pending. Admin approves to activate. Blocking fees enforced.
  • Status lifecyclePending to active to suspended to exited. Each state has consequences (data retained, access changed).
  • Change requestsMembers propose edits to their own profile. Admin approves or rejects. Full audit trail.
  • Member documentsUpload and organise ID copies, certificates, contracts per member.
  • Member profile tabsOverview, KYC, next of kin, documents, contributions, loans, requests, activity log.
  • Activity audit per memberEvery change a user makes to a member record is logged with who, when, what.
  • Welcome / activation notificationMember gets an automatic SMS and email when activated.
  • KYC verification workflowPer-member KYC submission to admin review to verified status.
Growth

And the marketing to grow membership.

Website DevelopmentA website that explains your products clearly and signs new members up online. Digital MarketingCampaigns aimed at people inside your common bond, not random clicks. SEO & AEOFound when people search for SACCO savings and loans, on Google and in AI answers.
Rollout

Live in 21 working days.

A fixed plan you can hold us to: what happens on which working day, from the first walk-through to the day your team goes live.

01Map your products
Days 1 to 3

We write down every savings and loan product, rule and approval step, and agree which modules go first.

02Build in sprints
Days 4 to 15

Working screens to test every few days, tested by your credit and finance staff on your real products.

03Move and balance
Days 16 to 18

Members, balances, loans and schedules imported, then reconciled with you to the last shilling.

04Run in parallel, go live
Days 19 to 21

Old and new run side by side for a final check, then staff are trained and members invited to the app.

Questions

Before you ask.

What is DaimaFund?

DaimaFund is Pinch Africa's SACCO and chama platform: members, savings, loans, M-Pesa collections and payouts, dividends, SASRA returns and a member app in one system, built for Kenyan SACCOs and chamas.

How long does it take to get our SACCO live?

21 working days, from the first walk-through to go-live. Days 1 to 3 we map how you work, days 4 to 15 we build and you test, days 16 to 18 we move your data, and days 19 to 21 we train your team and switch on.

Can we move from our current system?

Yes. We import members, balances, loans and schedules from your current system or spreadsheets, then check the figures with you side by side so they agree before you switch.

Does it work for a chama, not just a SACCO?

Yes. Chamas, investment groups and microfinance lenders use the same modules with simpler rules: contributions, merry-go-rounds, fines, group loans and shares in a joint investment.

Can it prepare our SASRA returns?

Yes. Returns are drawn from the same ledger as your accounts, so the numbers match. Your finance team reviews and signs them off before they go to SASRA.

How is member data kept safe?

Access is set by role, data is encrypted, and every view and change is logged. Consent and data requests are handled the way the Data Protection Act 2019 expects, and Pinch hosts, backs up and monitors the system.

What does it cost?

It depends on the modules and the number of members. After a free scoping call you get a fixed-scope proposal in writing, so you know the price before we start.

Let's map your SACCO.

A free scoping call, then a fixed-scope proposal in writing.

Plan your system See financial work
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