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- A Chama is an informal cooperative society that is normally used to pool and invest savings by people in East Africa, and particularly Kenya. The chama phenomenon is also referred to as "micro-savings groups". "Chama" (also spelled Kyama by certain ethnic groups) is the Kiswahili word for "group" or "body". The chama phenomenon arose out of the idea of harambee, which means "all together", in the late 1980s and 1990s. Originally, chamas tended to be exclusively women's groups, but as chamas started to grow in sophistication and success, men started participating in chamas as well. The chama structure is used throughout Africa, but is particularly popular in Kenya where the word originated. In Kenya there are estimated to be 300,000 chamas managing a total of KSH 300 billion (US$3.4 billion) in assets. Chamas are known for their exclusivity. In order to join, new members are typically subjected to extensive interviews and must have assurances or guarantees made for them by an existing member. Some sources have estimated that one in three Kenyans is a chama member. (en)
- 차마(Chama)는 동아프리카, 특히 케냐의 사람들의 저축한 돈을 모으고 투자하기 위해 사용되는 비공식적인 협동사회이다. 스와힐리어로 "단체"를 의미한다. 차마 현상은 1980년대 말과 1990년대에 "모두 함께"를 의미하는 하람비의 아이디어에서 출발한다. 원래 차마는 여성 단체의 경향만 있었으나 복잡성과 성공 속에 성장하기 시작하면서 남성도 차마에 참여할 수 있게 되었다. (ko)
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- 차마(Chama)는 동아프리카, 특히 케냐의 사람들의 저축한 돈을 모으고 투자하기 위해 사용되는 비공식적인 협동사회이다. 스와힐리어로 "단체"를 의미한다. 차마 현상은 1980년대 말과 1990년대에 "모두 함께"를 의미하는 하람비의 아이디어에서 출발한다. 원래 차마는 여성 단체의 경향만 있었으나 복잡성과 성공 속에 성장하기 시작하면서 남성도 차마에 참여할 수 있게 되었다. (ko)
- A Chama is an informal cooperative society that is normally used to pool and invest savings by people in East Africa, and particularly Kenya. The chama phenomenon is also referred to as "micro-savings groups". "Chama" (also spelled Kyama by certain ethnic groups) is the Kiswahili word for "group" or "body". The chama phenomenon arose out of the idea of harambee, which means "all together", in the late 1980s and 1990s. Originally, chamas tended to be exclusively women's groups, but as chamas started to grow in sophistication and success, men started participating in chamas as well. The chama structure is used throughout Africa, but is particularly popular in Kenya where the word originated. In Kenya there are estimated to be 300,000 chamas managing a total of KSH 300 billion (US$3.4 billion (en)
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- Chama (investment) (en)
- 차마 (투자) (ko)
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