Save Together · Lend Together · Achieve Together
The digital home for
your chama's money.
A modern digital chama in Nairobi built on secure member savings, guarantor-backed loans, and complete transparency.
How it works
01
Apply & get verified
Submit your details — the Secretary reviews and approves new applications within 48 hours.
02
Contribute monthly
Your savings grow in an I&M Bank-backed Contribution Wallet.
03
Borrow with guarantors
Request a loan from the Group Pool — other members guarantee it and earn interest for doing so.
04
Track everything in one place
Contribution, Welfare, Growth, Goal, and Guarantor Earnings — every wallet, one dashboard.
Guarantee several.
Earn from all.
Split your guarantee capital across several members' loans instead of one — say KES 2,000 spread across five requests, 20% here, 30% there — and earn your 80% interest share from each as they repay. One late payer barely dents a portfolio spread that wide.
KES 2,000 across 5 loans
Your wallets
Contribution
Your core monthly savings, earning I&M Bank interest.
Welfare
A mutual-aid pool members top up for emergencies and bereavement support.
Growth
Optional extra savings beyond your monthly contribution.
Goal
Personal savings toward something specific — freely withdrawable anytime.
Guarantor Earnings
Interest earned for backing other members' loans — freely withdrawable anytime.
Meet Our Chairman & Founder
Pesa Ya Chama Welfare Group is led by its founding Chairperson, whose vision drives the group's growth across all 47 counties of Kenya.
Collins Ochieng
Founder & Vision Holder
Pesa Ya Chama Welfare Group
Member ID: PYC-2025-0047
“
Pesa Ya Chama was born from a conviction that financial freedom is not a privilege for the few — it is a right for every Kenyan. We started with family, we grew with community, and today we open our doors to every citizen across all 47 counties. Our technology, our governance, and our values are built to serve you — transparently, securely, and without compromise.
Join us. Your journey to financial independence starts with one step — and that step is Pesa Ya Chama.
Collins Ochieng
Founder · Pesa Ya Chama Welfare Group
Meet other officials within your PYC Member Account.
Verify a member
Confirm a Pesa Ya Chama membership number belongs to a real, current member.