The verified ledger protocol for communal finance.
Havalaa replaces paper books and disputed spreadsheets with double-entry accounting, automated interest accrual, and multi-admin co-signing for table banking groups.
KES 620,000
KES 220,500
Reuben O.
Monthly Contribution
+ KES 20,000
10:42 AM
Sylvia W.
Emergency Loan Disbursed
- KES 50,000
09:15 AM
Hezekiah E.
Principal Repayment + Interest
+ KES 16,500
Yesterday
Forecast your chama's capital reserve
Use this mathematical model to project member deposits, sustainable lending capacity, and reserve growth over a twelve-month operating cycle.
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
Mathematical integrity over human error
Every deposit, credit dispatch, and fine is processed through strict double-entry debits and credits. Journal discrepancies are prevented before they can be committed.
Double-Entry Journal & T-Account Simulator
Experience how Havalaa mathematically eliminates ledger discrepancies before transactions are committed.
Member Monthly Contribution
Cash increases the group's liquid assets, while Sylvia's member shares balance increases proportionally. The group's net equity remains balanced.
Engineered for ledger integrity and communal trust
The foundational toolset table banking chamas require to manage collections, disburse credit, and maintain verifiable records.
Double-Entry Accounting
Contributions, repayments, fines, and welfare allocations commit to an immutable double-entry ledger. Balancing discrepancies are mathematically prevented by architectural design.
Multi-Admin Consensus
Prevent unilateral financial movements. Loan applications and balance corrections require dual-authorization sign-off from committee leaders before dispatch.
Automated Credit Tracking
Configure monthly interest parameters for member credit. Principal reduction, interest yield, and repayment timelines update automatically with zero manual calculation.
Individual Passbooks
Every participant can inspect active savings balances, outstanding debt, transaction receipts, and group standing from their personal passbook view.
Multi-Group Directory
Belong to a family chama, an office table banking group, and an investment syndicate concurrently from a single unified credential, with strictly segregated records.
Instant AGM Statements & Audit Packs
Produce comprehensive statements, member dividend summaries, and transaction logs for annual general meetings, tax reviews, or bank verification in one click.
Designed for absolute financial accountability
Table banking thrives when trust is unquestioned. Havalaa replaces disputed paper records with automated verification protocols that every member can inspect.
Immutable Ledger History
Transactions cannot be erased or modified post-confirmation, ensuring dependable audit trails.
Role-Based System Permissions
Distinct access levels for Contributors, Treasurers, and Group Chairpersons ensure controlled authority.
External Reference Tracking
Directly associate entries with commercial bank deposits and mobile money transaction reference codes.
Proven by active table banking treasurers
Real groups managing real contributions with complete ledger accountability.
“Before Havalaa, every monthly meeting ended with two hours of reconciling handwritten record books against mobile money receipts. Member suspicion was our biggest risk. With Havalaa's double-entry ledger, members verify their personal passbooks on their phones in real time, and our monthly closing time dropped from four hours to under ten minutes.”
“The dual-authorization requirement protects both leaders and members. Loan approvals and balance adjustments cannot be triggered without co-signing from both myself and our treasurer.”
Predictable costs for every group size
No hidden fees, no per-transaction cuts. You keep 100% of your contributions and interest yields.
Starter Group
Complete double-entry accounting for grassroots chamas and family clubs starting out.
Operating Chama
Built for established table banking clubs requiring multi-signatory loan approvals, automated interest calculation, and formal AGM audit packs.
Clear answers to practical questions
Everything your committee needs to know about security, ledger mechanics, and governance.