Amalgamated Chama Limited (ACL), the ‘The Chama of Chama’s’, was formed to provide an avenue for Investment groups (“Chamas”) to access investment opportunities that they cannot easily access in their capacity as a group, due to limitations such as Financial Capacity and Human expertise e.g in an area like Private Capital.

ACL was formed under the auspices of the non-profit organization called the Kenya Association of Investment Groups (KAIG – ). Members of KAIG formed an investment vehicle called Amalgamated Chama Limited whose aim is to provide an avenue for pooling their resources together and taking advantage of larger projects.



ACL is a limited liability company, that operates in the same principle behind individuals forming an Investment Group. The Investment groups raise capital and buy shares in ACL.  The company then pools all the resources and invests to realize superior long term returns.