Your chama should do more than collect money.

Community strength

Unique chamas

350

BDO staff members

8

Established in

2017

Who we are

Unity is strength. Community empowerment is our purpose.

PCEP is a Public Benefit Organisation dedicated to transforming the lives of marginalized communities through poverty eradication, health empowerment and educational welfare.

Our mission is to eliminate financial barriers through professional financial management, strategic capacity building and accessible credit that supports economic independence.

Our vision is for every marginalized community to become a self-sustaining ecosystem of prosperity, where collective action creates individual dignity.

Products

Practical products for stronger chamas.

Member Savings

Project Contributions

Responsible Credit

Risk Fund & Financial Literacy

Our Values

The PCEP core values

Production before Credit

Build productive capacity and disciplined savings first, so credit supports growth and an affordable repayment plan.

Collective Transparency

Use auditable ledgers and shared decision-making so member money is traceable and every member’s voice is protected.

Equity across the Pyramid

Circulate value fairly within the community and reinvest collective success in the members who create it.

Professional Agency

Turn practical skills and enterprise into verifiable financial records. Training helps members take ownership of their advancement.

Why us?

Understand every amount.

Member Savings, Project principal and chama earnings are separately recorded and explained.

Your access pathway

A clear pathway to member support.

Public benefit organisation

Community empowerment since 2017

The Progressive Community Empowerment Programme (PCEP) is a Public Benefit Organisation established in 2017. We help communities turn informal group activities into structured financial systems.

Our work brings together poverty eradication through micro-lending, education advancement, health, community empowerment and welfare. We support approximately 350 chamas across 10 counties through eight BDO staff members.

Member stories

Evidence before praise.

Year-end clarity

Your year-end amounts, clearly explained.

FAQ

Your PCEP questions, answered.

Understand contribution ownership, eligibility, affordability and repayment before borrowing.

Can an individual join without a chama?

PCEP operates through chamas. Contact a BDO to learn how to join an eligible group or mobilise a new one.

Does the 3× Savings limit guarantee a loan?

No. Three times Savings is the maximum long-term exposure ceiling, not an entitlement. Affordability, purpose, history and approval still apply.

Are Project Contributions the same as Savings?

No. Savings and Project are both member contributions but are recorded separately. Project principal is returned through the Annual Project Contribution Refund.

Who receives chama income?

Collected loan and advance interest, approved fines, the chama’s processing-fee share, registration fees and approved other income belong to the chama and are separately accounted for.