Its time we talk of chamas how to save pale kwa chama ukiwa na biz ndogo ju mpesa mtu akisave uko hakuangi self disciplined anaweza toa do anytime anataka Chama ni muhimu sana according to how you save with others Na chama inaweza uka expand biz yako Kuna chama from 50bob and above Mimi nilianza na ya 100daily na mtu anapewa hiyo day tulikua wato 20 na imenijenga sana.