<translate> Chama ni ushirika usio rasmi, wa vikundi vidogo vya kuwekeza benki ya mezani. Jina linatofautiana katika nchi tofauti za Kiafrika, lakini lengo ni lile lile - kukusanya rasilimali ili kufadhili malengo fulani. Chama kilitimiza kile ambacho taasisi nyingi za kifedha hazingeweza kukidhi: upatikanaji rahisi wa mikopo, nafasi salama ya kukusanya pesa na kubadilishana mawazo, yote yakifanywa katika lugha ya wenyeji. <eng>
Chamas are informal, small group table-banking cooperatives. The name varies in different African countries, but the objective is the same pooling resources to fund particular goals. Chamas accomplished what many financial institutions couldnt: easy access to loans, a safe space for money pooling and sharing ideas, all done in the local language. 