Financial ledger software
Books that close cleanly because they're built to.
Who this is for
Cooperatives, chamas, SACCOs, and any organization tracking contributions, loans, and balances for multiple members, where a spreadsheet has stopped being trustworthy.
What we build
Every contribution, withdrawal, loan disbursement, repayment, and interest calculation posts to both sides of a ledger, so the books stay balanced by construction rather than by manual reconciliation at month-end. The system enforces correctness under concurrent transactions—two members posting at the same moment can’t corrupt each other’s balances—and keeps each organization’s records isolated with role-based access for admins, treasurers, and auditors.
We built ChamaMa around this: a real-time ledger where a treasurer enters a contribution once, every member’s balance updates automatically, and the records don’t disappear if the treasurer leaves. See how ChamaMa’s ledger works →
What you get
- Balances that are mathematically verified
- Records that survive a change in who’s running the books
- Interest, loan, and withdrawal rules that apply automatically instead of being recalculated by hand