Flexpay chamas are virtually organized chamas/groups of savers that run for 6 months, Jan-June & July - Dec. During the disbursement, each saver receives the total amount saved within the phase duration. They are also at liberty to choose to get back the amount in a lump sum or check out from any of our partner merchants. Flexpay Chamas are divided per contribution, I.e Ksh 1,000, 2,000, 3,000,4,000 all the way to Ksh. 10,000 and all contributions are done monthly.