Community Banking & Co-operative Liquidity
Chama & SACCO Merry-Go-Round Modeler
Model merry-go-round rotation schedules, liquidity acceleration, and SASRA regulatory ceilings for Kenyan community pools.
3 members50 members
Gross Round Pool
KES 1,000,000
Net Payout: KES 944,930 after reserves
Emergency Reserve Pool
KES 500,000
5% retained buffer across 10 cycles
Cycle Duration
9.9 Months
43 weeks (monthly)
Early Liquidity Gain
+4.83%
Capital deployment advantage vs solo bank savings
Rotational Payout Schedule (bidding)
| Cycle | Scheduled Date | Recipient | Gross Pool | Reserve Deducted | Net Payout | Liquidity Advantage |
|---|---|---|---|---|---|---|
| Round 1 | 2026-12-02 | Amina Wanjiku | KES 1,000,000 | -KES 50,000 | KES 944,930 | +4.83% |
| Round 2 | 2027-01-01 | Brian Kiprono | KES 1,000,000 | -KES 50,000 | KES 944,930 | +4.29% |
| Round 3 | 2027-01-31 | Catherine Ochieng | KES 1,000,000 | -KES 50,000 | KES 944,930 | +3.75% |
| Round 4 | 2027-03-02 | David Mutua | KES 1,000,000 | -KES 50,000 | KES 944,930 | +3.22% |
| Round 5 | 2027-04-01 | Esther Nyambura | KES 1,000,000 | -KES 50,000 | KES 944,930 | +2.68% |
| Round 6 | 2027-05-01 | Felix Otieno | KES 1,000,000 | -KES 50,000 | KES 944,930 | +2.15% |
| Round 7 | 2027-05-31 | Grace Chebet | KES 1,000,000 | -KES 50,000 | KES 944,930 | +1.61% |
| Round 8 | 2027-06-30 | Hassan Omar | KES 1,000,000 | -KES 50,000 | KES 944,930 | +1.07% |
| Round 9 | 2027-07-30 | Irene Wambui | KES 1,000,000 | -KES 50,000 | KES 944,930 | +0.54% |
| Round 10 | 2027-08-29 | James Epale | KES 1,000,000 | -KES 50,000 | KES 944,930 | +0% |
Institutional SACCO & Cooperative Advisory
Schedule Boardroom ConsultationNeed SASRA Regulatory Filing or KMRC Refinancing Structure?
Lock in a 45-minute boardroom advisory consultation with Ramon Gitau in Nairobi or via Google Meet.