Modern Chama System for Kenyan Groups
Digitize your savings group — table banking, merry-go-round, or hybrid — and track contributions, loans, fines, and payouts in one secure, transparent system.
Kosalo Now Supports 3 Group Types
Table Banking
Members contribute shares, borrow from a loan pool, and earn dividends at cycle end.
Merry-Go-Round
Members contribute each round, and take turns receiving the payout — no loans, no interest.
Hybrid
Both a merry-go-round rotation and a table-banking loan pool, running together.
Get Your Group Up and Running in 4 Steps
Sign Up
Create your Kosalo account with your phone number in minutes — no paperwork required.
Create & Setup Your Group
Name your group, choose your group type — Table Banking, Merry-Go-Round, or Hybrid — and set your contribution schedule.
Add & Invite Members
Add each member's name and phone number. They're instantly connected and can track their own savings.
Record Contributions & Loans
Log contributions, loans, fines, and social funds as they happen. Kosalo handles the calculations.
Video Tutorials
Watch and learn how to use Kosalo step by step
How to Get Started with Kosalo App | Full Walkthrough
How to Create & Setup Your Group in Kosalo App
How to record contributions & Loans in Kosalo App
How to Add Members to Your Group in Kosalo App
Features
Powerful Features built to help your savings group grow and save on time and energy in keeping records and calculating dividends
Kosalo Mobile App
Download the kosalo mobile app from playstore and track your savings anywhere, anytime.
Trusted by groups across Kenya
Hear from chama leaders, treasurers, and members who manage their finances with Kosalo every day.
“Kosalo has completely transformed how our group manages contributions. No more manual calculations on paper, everything is tracked in real time and every member can see the balance.”
“We used to spend hours reconciling our records at every meeting. With Kosalo, my work and the treasurer's work takes minutes. I recommend it to every group I know.”
“Using kosalo has simplified how we check total savings and give loans. Our meetings take shorter time ever since we started using kosalo app”
“Simple to use even for members who are not tech-savvy. Groups in Kapiyo are happy. The mobile app works well even on slow internet, which matters a lot in our area.”
“Transparency was our biggest challenge before Kosalo. Now every member including me, gets instant notifications for every transaction. Trust in our group has improved so much.”
“Setting up was quick and the support team was very helpful. Within one week our whole group of 40 members was onboarded and active on the platform.”
“Kosalo has completely transformed how our group manages contributions. No more manual calculations on paper, everything is tracked in real time and every member can see the balance.”
“We used to spend hours reconciling our records at every meeting. With Kosalo, my work and the treasurer's work takes minutes. I recommend it to every group I know.”
“Using kosalo has simplified how we check total savings and give loans. Our meetings take shorter time ever since we started using kosalo app”
“Simple to use even for members who are not tech-savvy. Groups in Kapiyo are happy. The mobile app works well even on slow internet, which matters a lot in our area.”
“Transparency was our biggest challenge before Kosalo. Now every member including me, gets instant notifications for every transaction. Trust in our group has improved so much.”
“Setting up was quick and the support team was very helpful. Within one week our whole group of 40 members was onboarded and active on the platform.”
Frequently Asked Questions
Everything you need to know about Kosalo App
Ready to Digitize Your Saving Group?
Start today for free and simplify your table banking and merry-go-round sessions, clean records, automate dividends and payouts calculations.