Chama & Self-Help Group Ledger (Excel) — Savings, Loans, Fines & Dashboard in KES

Keep your chama's money clear, honest and easy to explain at every meeting. This ready-to-use Excel ledger is built for Kenyan chamas, self-help groups and table banking groups, with every figure in KES.

Record member savings month by month, issue loans with flat monthly interest, log repayments with M-Pesa codes, and track fines, other income and expenses. The workbook does the maths for you: arrears per member, loan balances, overdue loans, interest earned and cash at hand. A one-page dashboard shows the group's position, top five savers and a monthly contributions chart.

What you get:

• Sample file with made-up data (8 members, 5 loans) to learn from
• Blank file ready for your group
• 9 sheets: Start Here, Settings, Members (50), Contributions (12 months), Loans (100), Repayments, Fines & Other Income, Expenses, Dashboard
• Drop-down lists, protected formulas (no password), print-ready pages

Yellow cells are for typing; grey cells calculate automatically. No ID numbers are stored. Works in Microsoft Excel. Made with AI-assisted drafting and checked by the author.