Kikundify - Chama, Goals, Welfare & Loans
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Free Chama App for Friends, Family & Groups. Chama in your WhatsApp!

Kikundify Chama App by Kikundify Capital allow you to enjoy paperless Merry-Go-Round, group goal savings, welfare contributions, and issue loans to members.

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Useful Features

Everything you need laptop charging to run your chama digitally

No more paper records or missed contributions – manage everything from your phone.

Merry-Go-Round

Each chama member contribute and the money is given to one member at end of a round, this happens until all members reaches their turn.

Chama in WhatsApp

Check your contributions, get instant reports, and pay your chama dues — all from a WhatsApp chat. No app, no login, no hassle. Ask, Pay , Done!

Welfare Fund

Contribute to be ready finacially in case of an unexpected emergencies like sickness or loss of life. Very transparent welfare system.

Group Goals

Save together for a shared goal like going for a trip, group end year party, a project, to buy a group vehicle, shop for a member, etc.

Instant Loans

A loans feature for members to borrow from chama funds and payback with interest. It has SMS reminders, charges, loan reschedule, etc.

Mobile Payments

Make your chama welfare, and goals payments via MPESA for FREE. Get paid a loan or welfare directly to your MPESA for FREE.

WhatsApp

Chama Meets laptop charging WhatsApp

How Kikundify WhatsApp Works

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Kikundify WhatsApp in 3 Steps

Its very simple, just say "hello" on our WhatsApp

1

Create
your Chama and add Members

Create Account
2

Start by
saying "Hello" in WhatsApp

wa.me/254117721626
3

Members
enjoy Chama in WhatsApp.

Pay in WhatsApp
Real Customers Reviews

What people say laptop charging

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WhatsApp Integration

"The WhatsApp integration is a game-changer! I can now manage my chama directly from WhatsApp – contributions, reminders, and even loan approvals. My members don't need to download another app, they just use WhatsApp. It's so convenient!"

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Jane Muthoni

Chairlady, Umoja Chama

WhatsApp Integration

"I love that I can receive payment notifications and chama updates via WhatsApp. No more missed contributions or forgotten meetings. The WhatsApp feature keeps everyone in the loop instantly."

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David Kiprop

Member, Greenlight Savings

"Our chama used to rely on Excel and WhatsApp. Now everything is automated – contributions, payouts, loan approvals. It saved us hours of manual work."

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Mary Wanjiku

Chairman, Kikuyu Chama

"The goal savings feature helped our group buy a plot in just 8 months. We could see our progress and payments were effortless."

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James Otieno

Treasurer, Mwaki Welfare

"Applying for a loan from our chama used to take days of paperwork. Now it's online, approved in minutes, and the repayment schedule is crystal clear."

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Grace Muthoni

Member, Sunrise Chama

"The welfare fund feature is a lifesaver. When my sister was hospitalised, the chama disbursed support within 24 hours. No bureaucracy."

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Peter Njoroge

Member, Unity Welfare

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Merry-Go-Round

Chama the Kenyan way

  • 100% Paperless
  • Chama on WhatsApp
  • Get SMS Reminders
  • WhatsApp Reports & Reminders
  • Add unlimited members
  • Contribute via MPESA, offline Payill or STK push. You can contribute directly in Kikundify WhatsApp
  • Pay members via MPESA, records updated automatically
  • SMS Reminders
  • Add & remove members
  • Edit member chama position
Get Started
Goals & Welfare
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welfare & Goals

Paperless welfare and goals manager

  • 100% Paperless
  • Get SMS Reminders
  • WhatsApp Reports & Reminders
  • Contribute via MPESA
  • Pay members via MPESA
  • SMS Reminders
  • Loan members welfare & goal funds
  • Welfare is paid only to members
  • Invite only those interested to save towards a goal
  • Can't withdraw over 50% goal savings before maturity
  • Directly pay suppliers to Paybill/MPESA
  • Get Real-time reports
Get Started
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Loans

Everything you need to manage chama loans

  • Complete chama Loan management
  • Bank maker-chaker eg, only Treasurer approves loan, only Chairman disburse funds
  • Print & sign loan agreement forms
  • Disburse loan to MPESA
  • Complete Loan management
  • See defaulters, send SMS reminders
  • Members see their loan details
  • Late fee management
  • Auto loan agreement form
  • Reschedule loan, add penalties
Get Started
FAQ

Frequently asked questions laptop charging

Everything you need to know about using Kikundify for your chama.

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It depends on your role in the chama: If you're setting up a new chama (Chairman/Treasurer):

Yes — you'll need the Kikundify app first. Download it from [Play Store link] or use it on the web at [kikundify.com link], create your chama, and add your members. The chama needs to exist in the app before WhatsApp can work with it.

If you're joining a chama as a member:

No app needed. Once your chairman or treasurer has added you to the chama in the app, you can go straight to WhatsApp — message our number, verify with your national ID, and start asking about your contributions, goals, and welfare, or make payments. No download, no install, no login.

In short: the app is where chamas are built; WhatsApp is where everyday members live.

It takes just a minute to get started:

Message us — Send any message to our Kikundify WhatsApp number to start.

Verify your account — We'll ask for your national ID (the one you registered with) to link your WhatsApp number to your chama account securely.

Start chatting — Ask about your goals, welfare, or merry-go-round status, get a shareable group report, or just say "pay" to receive an M-Pesa prompt on your phone.

That's it — no app to download, no password to remember. Your chama is now just a WhatsApp message away.

Yes. Only you can access your own account — we verify your identity with your national ID before sharing any details, and no one else can see your chama data through WhatsApp without going through that same verification.

No — for security reasons, loan details aren't available through WhatsApp. You can view those directly in the Kikundify app.

Yes, Kikundify is a completely free app. to use the app, just register and create your chama for free, and add members. No fee for MPESA deposits and withdrawals. However, we deduct only Ksh200 service fee every month for active chamas, we do not charge any fee for dormant chamas. Kikundify does not have any other charge.

Members can pay via M‑PESA using Sooz Ltd Paybill number 952482 or via the app itself (MPESA STK Push). The system automatically updates each member's contribution record and notifies the treasurer and chairman.

The person who creates the chama becomes the chairman, and he adds the treasurer. Chairman works with treasurer to add members to chama, remove members, create goals and welfare. Treasurer has special role to create loan. Chairman has a special role to disburse money to MPESA.

First, the treasurer create a loan (only tresurer can create a loan). Second, this loan is approved (Both chairman & treasurer can approve loan). Lastly, chairman releases funds (Only chairman can release loan money to MPESA).

Yes, your money is safe, and you can access it via MPESA anytime you want. Sooz Ltd has partnered with a licensed SPS provider to manage your funds guided by the Central Bank of Kenya.

Yes. All transactions are encrypted, and we use secure M‑PESA APIs. Your chama data is only accessible to members you invite.