This article explores how Kenyan savings groups, known as chamas, can evolve from informal savings circles to formal investment entities, enabling better investment opportunities.

• Sh1,500 is the required monthly contribution for members to participate in a typical chama.
• Christabel Ojuok, Asset Manager and COO at Rentscore Africa, emphasizes the importance of formal structures for investment success.
• The article highlights the necessity of registering as a community-based organization or a limited liability company to protect members legally.
• Chamas can achieve a 17 percent rental yield on property investments with strategic planning and professional management.