A Kenyan chama of 12 women seeks advice on investing their Sh7 million accumulated over five years, aiming to diversify beyond loan-based income and reduce member loan interest. Financial consultant Inziani Khasiani advises them to pivot towards passive wealth generation.

• The chama currently holds Sh2 million in member loans, Sh3 million in a bank account, and a Sh3 million plot in Kajiado County.
• Financial consultant Inziani Khasiani recommends moving Sh2.5 million from the bank to a money market fund for 7-10% annual returns, generating Sh15,000 to Sh20,000 monthly.
• The chama is advised to use Sh1 million to acquire a small rental unit, potentially earning Sh18,000 to Sh25,000 monthly in net rent.
• Subdividing the Kajiado plot immediately is discouraged due to costs, time, and lack of immediate income, which would tie up liquidity needed for sustainable growth.