by Fredrick Kyeki3 weeks ago12/19/2025
An Examination of Changa (Fundraising Events) and Chama (Rotating Credit Associations) in Kenya
Changa and Chama have shaped financial resilience in Kenya for decades by enabling communities to support each other, save collectively, and access credit outside traditional banking structures. As mobile money and digital platforms redefine how contributions are made and tracked, these systems are entering a new era of transparency and efficiency. This article explores their origins, how they function, and why they remain essential to Kenya’s financial landscape today.
