Graduation Loan • GroupsLevel 2: Build Trust
Voryn Chama
Collective power for group savings and joint enterprise.
Designed specifically for chamas, table-banking circles, and trade associations. Pool your group's mutual guarantee to access KES 10,000 to 30,000 for bulk stock purchases, joint investments, or emergency group liquidity.
Access & Graduation Rule: Graduation Product: Available once your group has established meeting records or individual group members have successfully completed a Voryn Biashara cycle.
Key terms
- Loan amount
- KES 10,000 – KES 30,000
- Repayment period
- 1 – 3 months
- Disbursement
- Direct to Chama treasury M-Pesa
Who it's for
- Registered chamas & merry-go-round groups
- Table-banking community investment circles
- Market vendor cooperatives
- Joint retail purchasing groups
What you can use it for
- Bulk purchasing for group discounts
- Table-banking lending pool top-up
- Joint agricultural or trade investments
- Community project working capital
Features & benefits
- Affordable KES 10,000 – 30,000 group capital
- Flexible 1 – 3 months repayment matched to group meetings
- Mutual social guarantee — no individual land collateral
- Dedicated relationship officer to attend group sessions
Estimate your Voryn Chama repayment
Move the slider for an instant indicative estimate. Final terms are confirmed with your relationship officer.
Estimate your repayment
KES 13,000
KES 10,000KES 30,000
Indicative estimate
Weekly repayment
KES 1,589
× 9 weekly payments
- You receive
- KES 13,000
- Interest / service fee (10.0% over term)
- KES 1,300
- Indicative rate
- 5.0% per month
- Total repayable
- KES 14,300
Apply for Chama
Competitive Interest Rates: Rates are indicative and competitive, tailored to each borrower depending on their individual credit-risk assessment, enterprise performance, and repayment history. This calculation is for illustration purposes.