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Investment Groups – Good News for Chamas in Kenya 


Are you tired of struggling to grow your savings? Do you find it challenging to connect with the right people for your financial goals? Welcome to a world where your financial dreams can become a reality. Investment groups offer a promising path to savings and growth, but they come with their own unique challenges. 

Embarking on a financial journey can be both exciting and challenging.  

In this article, we’re here to guide you through four distinct categories of people, each with unique aspirations and experiences:

Are you in search of the perfect investment group tailored to your preferences but not sure where to start? We have the answers. 

Have past investment group experiences left you disillusioned due to differing interests among members, maybe even prompting you to leave? You’re not alone. 

Do you yearn for an investment group filled with like-minded individuals but struggle to express your vision? We bring your dreams to life right here. 

Are you constantly dipping into your personal savings, making it challenging to achieve your investment targets? We have solutions to supercharge your savings. 

If any of these profiles resonate with you, this article is a must-read. It offers you a treasure trove of insights to immediately take up the group formation journey.  

We all begin with high spirits and individual ambitions, but the journey to financial discipline is often more complex than it seems.  

Join us as we delve into the dynamic world of investment groups. We will unveil the nitty-gritty you need to consider while forming investment groups.  

How to form the Chama (investment group) you have been yearning for!

But before we dive into the details, let’s take a moment to explore the diverse investment group types.  

Investment Clubs 

Investment clubs are essentially gatherings of people who share similar interests and ambitions when it comes to investing their money.  

These clubs bring together individuals who unite their financial resources to pursue common investment objectives. 

One primary goal that often unites members of these investment groups is the desire to jointly acquire property.  

For instance, club members join forces to purchase real estate, whether it’s residential, commercial, or any other type of property.  

The shared investment allows people to collectively achieve their property ownership dreams. This strategy spreads both the costs and the rewards among the club’s members. 

Table Banking 

Investment groups can tailor their investment strategies according to their constitution, but one popular approach is the concept of “table banking.”  

This approach primarily revolves around acquiring loans based on the collective savings of the group’s members. 

In this framework, members establish a regular savings routine, typically requiring each member to contribute agreed-upon amounts of money every month.  

These collective savings build up over time and create a financial pool that members can tap into when they need loans.  

What makes this system particularly attractive is the mutual guarantee it provides. When a member seeks a loan, their fellow group members act as guarantors. This enhances the chances of loan approval.  

The beauty of investment groups lies in their flexibility.  

While table banking is a prevalent method, some groups may choose to diversify their investment portfolio to include other opportunities such as property acquisition, stock market investments, or entrepreneurial ventures.  


“Mary-go-round” is the originator of many investment group strategies.  

It’s a time-tested approach that has been employed by these groups for decades.  

It initially emerged with a focus on improving homes, primarily driven by women. However, over the years, men have recognized its benefits and formed similar groups. 

Here’s how this classic method operates: 

To kick off the “Mary-go-round,” members typically start by contributing a specific amount of money. The terms of this contribution can vary and may occur monthly, fortnightly, or even on a weekly basis. 

Members often use a random selection method, such as balloting, to determine the order in which they’ll receive the collective contributions. This method ensures fairness and unpredictability. 

The collected funds are then given to each member according to the outcome of the balloting. This means the first member drawn will receive the pooled money first, the second member will follow, and so on. The cycle continues until the last member on the list has received their share. 

The name “Mary-go-round” derives from the nature of its payouts, as the contributions circulate among members in a round-robin fashion.  

This approach not only enhances homes but also serves as a financial support system.  

It provides individuals with an accessible way to save and receive lump sums for various purposes.  

Apart from home improvements, members can use the pooled money to address unexpected expenses.  

Discover the Simplicity of Starting Your Investment Group

If investment groups were a mystery to you before, you now have a glimpse of how they operate.  

But here’s the exciting part! 

You no longer need to fret about how to kickstart your investment group because we’ve streamlined the process for you. 

All it takes is a few minutes to fill out the details on our Investment Groups page, and then you can sit back and await our response.  

How convenient is that?  

Say goodbye to the headache of thinking too hard to start your group!

We have thought it out for you.

Are you unsure about the type of group that suits you best?

Don’t worry; we’ve got you covered.

We’ve made it effortless for you to find your perfect match.

So why wait any longer?

Take action now and complete the form on our Investment Groups page, and let’s turn your investment dreams into a reality.

If you’ve been hesitant to voice your preferences for the type of group you’d like to join, let the form do the talking for you.

We’ve taken away your worries.

But there are five key aspects we need to highlight.

We understand that while some of us are comfortable in almost any group, others have specific preferences.  

That’s why we’ve included options for gender, religion, ethnic group, source of income, and monthly contribution in our form.  

The finer details to consider when forming investment groups

This way, you can find the perfect investment group that aligns with your unique needs and interests.  

Don’t miss out on this opportunity to begin a workable investment journey. 


While many investment groups are traditionally aligned with either women or men, we’ve taken it a step further to enhance the dynamics.  

We’ve observed that groups organized based on marital status tend to foster even stronger connections and collaboration. 

Under the category of gender in our registration process, you can specify whether you’d like to work with singles or married individuals.  

Our goal is to create an environment where you feel not only at ease but also genuinely comfortable among your fellow group members. This ensures that your investment experience is as enjoyable and productive as possible.  


Group meetings usually start with a moment of prayer, a significant ritual for many. Recognizing our diverse backgrounds and beliefs, it’s crucial to consider your comfort level regarding various religious groups. 

This reflection can help you align yourself with the right group that shares your values. Undoubtedly, it will be a supportive force on your journey towards achieving your financial goals. 

If you are open to engaging with any religious group, you can simply write “any” in the provided space.  

However, if you have a preference for a specific religion or religious group, feel free to specify your choice.  

This way, we can ensure you find a group that not only helps you achieve your financial aspirations but also respects and aligns with your personal beliefs and values. 

Ethnic Background 

Over time, experience has led to certain perceptions regarding the formation of groups along ethnic lines. Many associate it with tribal affiliations, assuming that these groups primarily focus on tribal unity. 

However, upon conducting in-depth research, we’ve come to understand that it’s not about ethnicity. It’s about bringing individuals together who share common objectives and values that transcend ethnic backgrounds. 

It’s essential to recognize that some goals and aspirations may not necessarily align with specific tribes. This highlights the importance of looking beyond ethnicity when forming these groups.  

By doing so, we can foster a more inclusive and harmonious environment. It allows people from diverse backgrounds to work together towards common objectives. 

Source of Income 

The source of income is a crucial and often sensitive factor that deserves careful consideration when building investment groups. 

There’s a common belief that a fixed monthly salary provides a level of financial predictability and security.  

However, businesspeople often contend with irregular and unpredictable income streams. It makes it essential for them to connect with individuals who can relate to this unique financial landscape. 

In many cases, salaried individuals may feel hesitant about forming investment groups with businesspeople due to these income disparities.  

This is not a matter of one being superior to the other, but rather a recognition that different financial realities require distinct approaches to investment and savings. 

Ultimately, understanding the nuances of income sources and ensuring that group members share a common understanding can lead to more harmonious and successful investment experiences.  

It’s not about choosing one over the other, but rather finding the right balance that suits everyone’s financial circumstances and goals. 

Monthly Contribution 

This section acts as your financial compass. It helps you navigate the investment group landscape with precision.  

It’s a time-saving feature that prevents the frustration of creating or joining a group only to discover that most members have financial aspirations that don’t align with yours.  

In essence, it ensures that you embark on your investment journey with the right companions. 

Words of Wisdom Concerning Investment Groups 

Friendship alone doesn’t guarantee a seamless fit within the same investment group.  

Surprisingly, total strangers may discover newfound compatibility when they come together in such a setting.  

The rules and regulations governing investment groups play a pivotal role in fostering discipline among their members.  

This is a fundamental difference from individual savings, where accountability may be lacking. 

Finding a group that aligns with your interests and objectives is a key marker of a successful investment journey.  

The exploration and discovery phase should ideally happen before you engage with a group. It ensures that you’re stepping into the right financial ecosystem. 

We’ve provided you with valuable insights and a platform to facilitate your group organization.  

So, what’s holding you back? 

It’s as simple as this: fill out the form, and let’s meet on the other side, where your investment dreams are ready to become a reality.  

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