Grow your savings.
Earn from every loan.
Join a trusted financial community where your savings grow, your shares earn dividends, and you generate income simply by guaranteeing loans.
Get Started
Bring your circle.
Ideal for Chamas, SACCOs and investment groups who want to save, lend and grow together with total transparency.
Grow on your own terms.
For individuals, professionals and investors who want to guarantee loans individually.
Manage your money
Save
Make periodic contributions that are automatically split into savings and shares.
Guarantee
Guarantee loans for group members or browse floating loan requests.
Earn
Earn interest on guarantees and dividends on shares, withdraw anytime.
Frequently Asked Questions
Everything you need to know
Can't find what you're looking for? Our team is ready to answer the most common questions about Pamoja+.
Start building wealth together
Join thousands of members using Pamoja+ to save, earn and grow.