The transparent operating system for communal finance.
Havalaa provides double-entry accounting, automated loan interest tracking, and multi-admin consensus designed specifically for table banking chamas and investment clubs.
KES 620,000
KES 220,500
Reuben O.
Monthly Contribution (Shares)
+ KES 20,000
10:42 AM
Sylvia W.
Emergency Loan Disbursed
- KES 50,000
09:15 AM
Hezekiah E.
Loan Repayment + Interest
+ KES 16,500
Yesterday
Project your chama's capital
Use our live financial projection model to visualize how member contributions compound into lending pools and reserve capital.
Interactive Chama Projection Model
Calculate your table banking group's annual treasury size, loan dispatch limits, and interest yields.
KES 75,000
KES 900,000
KES 630,000
KES 270,000
Includes base contributions + KES 63,000 interest yield
Built for ledger integrity and communal trust
Everything your table banking group needs to manage collections, issue credit, and maintain verifiable records.
Double-Entry Accounting
Contributions, repayments, fines, and welfare reserves are structured in an immutable double-entry ledger. Balancing discrepancies are prevented by design.
Automated Credit Tracking
Configure custom monthly interest parameters for member loans. Repayment schedules, principal reduction, and interest calculations update automatically.
Multi-Admin Consensus
Prevent unilateral decisions. Loan applications and balance adjustments require multi-signatory approval from committee leaders before dispatch.
Individual Member Portfolios
Every participant can view their active savings balances, outstanding loans, payment history, and group standing from their personal view.
Instant Audit Reports
Generate comprehensive statements and transaction logs for annual general meetings, tax reviews, or bank verification in one click.
Multi-Group Directory
Belong to a family chama, an office table banking group, and a community investment circle simultaneously from a unified account.
Designed for complete financial accountability
Table banking succeeds when trust is unquestioned. Havalaa replaces disputed paper records with automated verification protocols that every member can inspect.
Permanent Ledger Records
Transactions cannot be erased or altered post-confirmation, ensuring dependable audit trails.
Role-Based Permissions
Distinct roles for Contributors, Treasurers, and Group Creators ensure appropriate system access.
Bank & Mobile Money Integration Ready
Compatible with standard bank deposits and mobile money transaction reference codes.
Trusted by Chama Administrators
“Havalaa eliminated our end-of-month reconciliation arguments. Every member can verify their balance and loan status in real-time.”
Reuben O.
Treasurer, Nairobi Community Club
“The loan approval process is clean and transparent. Multi-admin confirmation protects group funds without slowing down loan requests.”
Sylvia W.
Chairperson, Tumaini Table Banking
“Setting up our groups took minutes. It gives us the precision of institutional banking with the ease our community needs.”
Hezekiah E.
Group Admin, Eldoret Micro-Fund