steve-ongera/Chama-Smart---Digital-Table-Banking-System

A professional, production-ready Django application for managing Chama (Merry-Go-Round/Table Banking) groups in Kenya and East Africa. Built with security, scalability, and modern financial management practices in mind. # Chama Smart - Digital Table Banking System A professional, production-ready Django application for managing Chama (Merry-Go-Round/Table Banking) groups in Kenya and East Africa. Built with security, scalability, and modern financial management practices in mind. ## Key Features ### **Financial Management** - **Contribution Tracking**: Automated cycle-based contribution collection - **Merry-Go-Round Rotation**: Smart payout queue management - **Loan Management**: Member loans with interest calculation and guarantors - **Payment Integration**: M-Pesa, Bank Transfers, Cash, and Card payments - **Late Payment Penalties**: Automatic calculation and tracking - **Financial Reports**: Comprehensive analytics and export capabilities ### 👥 **Member Management** - **Multi-Role System**: Admin, Treasurer, Secretary, and Member roles - **KYC Compliance**: National ID verification and profile management - **Membership Tracking**: Position in rotation, contribution history - **Two-Factor Authentication**: Enhanced security for sensitive operations ### 📊 **Meetings & Governance** - **Meeting Scheduling**: Automated reminders and calendar integration - **Attendance Tracking**: Real-time attendance monitoring - **Minutes Recording**: Digital meeting minutes and agenda management - **Member Voting**: Decision tracking and member consensus ### 🔔 **Communication** - **Multi-Channel Notifications**: SMS, Email, Push, and In-App - **Automated Reminders**: Contribution deadlines, meeting alerts - **Transaction Updates**: Real-time payment confirmations - **Custom Alerts**: Configurable notification preferences ### 🔐 **Security & Compliance** - **Audit Trail**: Complete activity logging for compliance - **Role-Based Access Control**: Granular permissions management - **Data Encryption**: Secure sensitive information storage - **Banking Integration**: Secure API connections with financial institutions --- ## 🚀 Quick Start ### Prerequisites ```bash # System Requirements Pyth …