Chama is a Swahili word for a committee or group of people with common agenda. It refers to a cooperative organization (mostly informal) that pools and invests savings by the group members .It is inspired by the philosophy of ‘umoja ni nguvu’ - that is there is victory in unity, therefore people pool together and assist each other in times of need . Effectively it contributes to improvement of living standards of its members. Besides offering interest free credit services to its members; Chama also practice table banking activities as well as managing group investments. Esacco has several Chama using the contribution module, loan products module, bookkeeping and accounting module, online dashboard for members, sms and email communication among other modules.