A crucial detail about a healthy chama is the type of members you choose. It's not just about bringing people on board who want to contribute and benefit because there are many more underlying details.
The right members will be committed to a similar goal and vision. They also need to be very disciplined and reliable people.
You would rather take a while and struggle to find members which are better, than rush to add individuals who will not add any value to the group.
Include someone with proper financial expertiseA successful chama needs someone who can give it a sense of financial direction. This can only be done by someone who has a financial background, otherwise, you won't know how to make the right decisions. Ultimately, your group might collapse.
Your members will contribute as you learn from each other but it's still important to have someone who has in-depth knowledge of how money works.
Set clear rulesA savings group without proper rules is bound to fail. This is especially the case where family members, friends and relatives are involved because sometimes the line between friendship and business gets blurred.
Be clear on expectations and the consequences of breaking those rules. You should also register your chama officially as a security measure.
Choose reliable leadersYou might be the founder but you will also need assistance. It will be hard for you to handle everything on your own as the group grows so this is an important step.
Take your time before choosing leaders because they have to be people with integrity. There are many unfortunate cases of theft and mismanagement in chamas, due to poor leadership, and that is why you need to select those who will genuinely put your members' interests at heart.