Apwoche InvestmentGroup
Digital Chama Management for Modern Kenyan Groups
About Us
Founded on January 5, 2026, by four visionaries who believed chama management needed a digital transformation.
Apwoche Investment Group was born from a shared vision among four friends in Nairobi who saw that traditional chama groups were struggling with transparency, record-keeping, and trust. Matich, Michael Massawa, Tobias Osielo, and Anjeline Magero came together to build a group that would leverage technology to solve these challenges.
Today, we are 25 active members strong, with a fully digital system that gives every member real-time access to their savings, loans, and group finances.
Our Vision
To be the most transparent and tech-driven investment group in Kenya.
Our Mission
To digitize traditional chama operations ensuring accountability, growth, and trust.
Our Accounts
Multiple savings vehicles designed for every financial goal
Savings
Save any amount, anytime. Your money grows with complete transparency.
Welfare
KES 3,000 mandatory contribution every 6 months for member emergencies.
Development Fund
KES 200 per meeting (2x/month). Unlocked for business investments after 2 years.
Loan Facility
Min KES 3,000 to qualify. Borrow up to ⅔ of savings + dev fund. Max KES 10,000 at 10% interest for 30 days. 10% penalty on default.
Equity Joint Account
Group funds held securely in Equity Bank. Locked until year-end for collective growth.
Our Activities
Moments from our meetings, trainings, and community engagements
Inaugural Meeting
Official founding meeting with all charter members.
M-Pesa Training Session
Hands-on training on digital contribution tracking.
Group Investment Review
Quarterly review of collective investment performance.
Welfare Drive
Community outreach supporting member welfare initiatives.
Leadership Retreat
Strategic planning retreat for the leadership team.
Chama Expansion Forum
Open forum for prospective new members to learn about Apwoche.
Annual General Meeting
Annual review of group performance and planning for the year ahead.
Group Rules
Built on discipline and accountability. Every member is expected to adhere.
Registration Fee
KES 500 one-time joining fee.
Meeting Schedule
Twice monthly meetings. Attendance is mandatory.
Lateness Fine
Late members are fined. Punctuality is expected.
Absence Policy
Absent members face fines unless excused in advance.
Discipline
Only serious, committed members are retained.
Membership
Must be vetted and approved by the group.
Our Digital System
“Trust through transparency.”
Members access real-time balances, M-Pesa tracking, loan status via our system.
Real-Time Balances
See your savings, welfare, and loan balances updated instantly.
M-Pesa Tracking
Every M-Pesa contribution is automatically tracked and reconciled.
Loan Status
Apply, track approval, and monitor repayment schedules digitally.
Full Transparency
Every member can verify group transactions at any time.
M-Pesa Payment
All contributions are made via M-Pesa using the details below
Important: Use your full name as the M-Pesa reference so your contribution is recorded correctly.
Our Leadership
Dedicated individuals steering the group with integrity and vision
Matich
Chairman
Oversees group operations and ensures strategic direction is followed by all members.
Tobias Osielo
Treasurer
Manages group finances and provides monthly financial reports to the members.
Anjeline Magero
Secretary
Records meeting minutes and maintains all official group documentation.
John Oloo
Welfare
Coordinates member welfare support and emergency assistance programs.
Michael Massawa
Organizer
Plans meetings, events, and ensures member attendance and engagement.
Mary Anyango
Disciplinary
Enforces group rules and handles dispute resolution among members.
Get In Touch
Ready to join or have questions? Reach out to our team.
Built by Matich Digital