Use case
Investment clubs
Pool money every month, invest it together, and know what each member owns.
For example: Family investment clubs, Friends pooling money to invest, Professional investment clubs.
Kwessa was built with the Trims Family Investment Club, and the club keeps its books on it today.
See also: group contributions
Unit register · Example Investment Club
NAV 1.284316The problem today
- Contributions arrive by MoMo, bank and cash, and the treasurer matches them by hand from screenshots in the group chat.
- Working out each member’s share after a year of uneven payments is an Excel job nobody wants to check.
- Treasury bills and fixed deposits roll over, and the interest never quite makes it into the records.
- At the AGM, someone asks why their figure changed, and the answer is in an exercise book at home.
How it might run on Kwessa
Example Investment Club
Pending approvalPV-2026-00014
Needs another officer’s approval. Efua can’t approve her own voucher.
Example Investment Club
EmailedRCT-2026-00128
Here’s how a family investment club of about 30 members might run a year on Kwessa.
- 1
Bring the old records in
The treasurer imports the member list and past contributions from the club’s Excel sheet, then sets a monthly contribution plan due on the 5th.
- 2
Every payment buys units
A payment by MoMo, bank or cash is recorded once. It clears any open fines first, and the rest buys units at the club’s approved unit price (NAV). The member gets a numbered receipt by email.
- 3
Members report payments on WhatsApp
A member pastes the MoMo message to the club’s number. It waits in the treasurer’s payment queue, and nothing is recorded until the treasurer confirms it.
- 4
The investments stay current
When the club buys a Treasury bill or places a fixed deposit, Kwessa records the purchase, each interest payment and each valuation, until it matures or is sold.
- 5
The board approves the NAV
The treasurer works out the NAV from the books and the board approves it. Members can ask the WhatsApp assistant what their units are worth, any time.
- 6
Spending needs two people
Bank charges and fees go out on payment vouchers. Above the amount the club sets, someone other than the person who raised a voucher must approve it before it reaches the books.
- 7
The AGM pack is ready
The annual report has the four financial statements beside last year’s, the notes and a page for the board to sign. Until the year ends, it prints as a marked draft. Each member downloads their own statement, and the unit register shows everyone’s holding.
What it uses
- Members
- Contributions & collections
- Accounting & reports
- Payment vouchers
- Governance
- Investments
- WhatsApp assistant
Questions
Record every contribution once, let it buy units at a unit price (NAV) the board approves, and keep each investment’s purchases, interest and valuations in the books. Kwessa does this and keeps a unit register of what each member owns.
In Kwessa each payment buys units at the approved NAV on the day, so a member’s share is their units times the current NAV, however unevenly they paid. Members can ask the club’s WhatsApp number what their units are worth.
Yes. Kwessa records each purchase, every interest payment and each valuation until the investment matures or is sold, so the club’s NAV reflects them.
An annual report with the four financial statements beside last year’s, the notes and a page for the board to sign, plus each member’s own statement and the unit register.
The plan for it
Premium
GHS 900 a month · any number of members
Premium has everything above.