{"id":354,"date":"2026-09-03T16:17:57","date_gmt":"2026-09-03T13:17:57","guid":{"rendered":"https:\/\/tas.co.ke\/blog\/?p=354"},"modified":"2026-09-03T16:20:51","modified_gmt":"2026-09-03T13:20:51","slug":"table-banking-kenya","status":"publish","type":"post","link":"https:\/\/tas.co.ke\/blog\/table-banking-kenya\/","title":{"rendered":"Table Banking in Kenya: How Groups Can Manage Savings, Loans and Contributions Digitally"},"content":{"rendered":"<h2>What Is <a href=\"https:\/\/tas.co.ke\/#features\">Table Banking<\/a>?<\/h2>\n<p class=\"isSelectedEnd\"><a href=\"https:\/\/tas.co.ke\/#groups\"><strong>Table Banking<\/strong><\/a> is a group-based financial model where members regularly contribute money into a common fund and then lend that money to members according to agreed rules.<\/p>\n<p class=\"isSelectedEnd\">The concept is popular among chamas, women groups, youth groups, community organisations, investment groups and other member-based associations.<\/p>\n<p class=\"isSelectedEnd\">In a typical table banking group, members meet regularly, contribute money and make decisions about how the pooled funds should be used.<\/p>\n<p class=\"isSelectedEnd\">Some members may borrow from the group and repay the money with interest.<\/p>\n<p class=\"isSelectedEnd\">The interest earned may then increase the value of the group&#8217;s fund and benefit the members collectively.<\/p>\n<p class=\"isSelectedEnd\">Traditionally, table banking has been managed using:<\/p>\n<ul data-spread=\"false\">\n<li>Exercise books<\/li>\n<li>Receipt books<\/li>\n<li>Excel spreadsheets<\/li>\n<li>WhatsApp groups<\/li>\n<li>Mobile money messages<\/li>\n<li>Individual treasurer records<\/li>\n<li>Paper loan forms<\/li>\n<li>Manual calculations<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">While this approach may work for a small group, problems often begin when the number of members, loans and transactions increases.<\/p>\n<p class=\"isSelectedEnd\">A modern <a href=\"https:\/\/tas.co.ke\/#trust\"><strong>Table Banking System<\/strong> <\/a>can help a group organise its members, contributions, loans, repayments, penalties, income, expenses and reports from one central platform.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<figure id=\"attachment_301\" aria-describedby=\"caption-attachment-301\" style=\"width: 1672px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/tas.co.ke\/blog\/tas-chama-document-management-software-kenya\/\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-301 size-full\" src=\"https:\/\/tas.co.ke\/blog\/wp-content\/uploads\/2026\/09\/tas-chama-document-management-software-kenya.png\" alt=\"Table Banking in Kenya\" width=\"1672\" height=\"941\" srcset=\"https:\/\/tas.co.ke\/blog\/wp-content\/uploads\/2026\/09\/tas-chama-document-management-software-kenya.png 1672w, https:\/\/tas.co.ke\/blog\/wp-content\/uploads\/2026\/09\/tas-chama-document-management-software-kenya-300x169.png 300w, https:\/\/tas.co.ke\/blog\/wp-content\/uploads\/2026\/09\/tas-chama-document-management-software-kenya-1024x576.png 1024w, https:\/\/tas.co.ke\/blog\/wp-content\/uploads\/2026\/09\/tas-chama-document-management-software-kenya-768x432.png 768w, https:\/\/tas.co.ke\/blog\/wp-content\/uploads\/2026\/09\/tas-chama-document-management-software-kenya-1536x864.png 1536w\" sizes=\"auto, (max-width: 1672px) 100vw, 1672px\" \/><\/a><figcaption id=\"caption-attachment-301\" class=\"wp-caption-text\">Chama Document Management Software Kenya: 14 Record Controls \u2014 call 0725345345.<\/figcaption><\/figure>\n<h1>How Does <a href=\"https:\/\/tas.co.ke\/#pricing\">Table Banking<\/a> Work?<\/h1>\n<p class=\"isSelectedEnd\">Table banking is built around members pooling money together and making the funds available within the group.<\/p>\n<p class=\"isSelectedEnd\">The exact rules vary from one organisation to another.<\/p>\n<p class=\"isSelectedEnd\">A typical process may look like this:<\/p>\n<ol start=\"1\" data-spread=\"false\">\n<li>Members register with the group.<\/li>\n<li>Each member agrees to make a regular contribution.<\/li>\n<li>Contributions are collected during agreed periods.<\/li>\n<li>The money forms a common table banking fund.<\/li>\n<li>Members can apply for loans according to group rules.<\/li>\n<li>Loan requests are reviewed and approved.<\/li>\n<li>The member receives the approved amount.<\/li>\n<li>The borrower repays the loan with agreed interest.<\/li>\n<li>Interest and other group income grow the common fund.<\/li>\n<li>The group generates reports and reviews its financial position.<\/li>\n<\/ol>\n<p class=\"isSelectedEnd\">A digital<a href=\"https:\/\/tas.co.ke\/#pricing\"> <strong>Table Banking Management System<\/strong> <\/a>makes each of these steps easier to record and monitor.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Why Table Banking Is Popular in Kenya<\/h1>\n<p class=\"isSelectedEnd\">Table banking is attractive to many groups because it provides members with a structured way of saving and accessing credit within their own organisation.<\/p>\n<p class=\"isSelectedEnd\">For many people, accessing formal credit may involve requirements such as:<\/p>\n<ul data-spread=\"false\">\n<li>Credit history<\/li>\n<li>Collateral<\/li>\n<li>Guarantors<\/li>\n<li>Salary information<\/li>\n<li>Business documentation<\/li>\n<li>Lengthy approval processes<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Table banking groups create their own rules.<\/p>\n<p class=\"isSelectedEnd\">Members already know one another, and lending decisions can be based on the group&#8217;s constitution and contribution history.<\/p>\n<p class=\"isSelectedEnd\">The model also encourages members to build saving habits.<\/p>\n<p class=\"isSelectedEnd\">Instead of each person saving individually, members create a common financial pool.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Example of How<a href=\"https:\/\/tas.co.ke\/blog\/\"> Table Banking Works<\/a><\/h1>\n<p class=\"isSelectedEnd\">Assume a table banking group has 30 members.<\/p>\n<p class=\"isSelectedEnd\">Every member contributes KSh 2,000 every month.<\/p>\n<p class=\"isSelectedEnd\">The expected monthly contribution is:<\/p>\n<p class=\"isSelectedEnd\"><strong>30 members \u00d7 KSh 2,000 = KSh 60,000<\/strong><\/p>\n<p class=\"isSelectedEnd\">After six months, assuming everyone contributes consistently and ignoring expenses, the group may have:<\/p>\n<p class=\"isSelectedEnd\"><strong>KSh 60,000 \u00d7 6 = KSh 360,000<\/strong><\/p>\n<p class=\"isSelectedEnd\">Some of this money can be issued as loans to members.<\/p>\n<p class=\"isSelectedEnd\">For example:<\/p>\n<ul data-spread=\"false\">\n<li>Member A borrows KSh 50,000<\/li>\n<li>Member B borrows KSh 30,000<\/li>\n<li>Member C borrows KSh 20,000<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">The group now needs to know:<\/p>\n<ul data-spread=\"false\">\n<li>When each loan was issued<\/li>\n<li>Loan repayment period<\/li>\n<li>Interest rate<\/li>\n<li>Outstanding loan balance<\/li>\n<li>Repayment dates<\/li>\n<li>Penalties<\/li>\n<li>Guarantors where applicable<\/li>\n<li>Member contribution position<\/li>\n<li>Total amount currently lent out<\/li>\n<li>Total amount available in the fund<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Managing all these records manually can become difficult.<\/p>\n<p class=\"isSelectedEnd\">This is where a <a href=\"http:\/\/pri.co.ke\" target=\"_blank\" rel=\"noopener\"><strong>Table Banking Software Kenya<\/strong> <\/a>solution becomes useful.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>What Is a <a href=\"http:\/\/zama.co.ke\" target=\"_blank\" rel=\"noopener\">Table Banking System<\/a>?<\/h1>\n<p class=\"isSelectedEnd\">A <strong>Table Banking System<\/strong> is software that helps groups manage their financial and membership activities.<\/p>\n<p class=\"isSelectedEnd\">Instead of maintaining separate spreadsheets for members, contributions and loans, the organisation can keep the information in one platform.<\/p>\n<p class=\"isSelectedEnd\">A table banking system may support:<\/p>\n<ul data-spread=\"false\">\n<li>Member registration<\/li>\n<li>Contributions<\/li>\n<li>Savings<\/li>\n<li>Loans<\/li>\n<li>Loan applications<\/li>\n<li>Loan approvals<\/li>\n<li>Repayments<\/li>\n<li>Penalties<\/li>\n<li>Guarantors<\/li>\n<li>Income<\/li>\n<li>Expenses<\/li>\n<li>Meetings<\/li>\n<li>Financial reports<\/li>\n<li>Member statements<\/li>\n<li>User roles<\/li>\n<li>Audit history<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">For groups that handle many transactions, this creates a more organised way of managing daily operations.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Benefits of Using <a href=\"http:\/\/vega.co.ke\" target=\"_blank\" rel=\"noopener\">Table Banking Software<\/a><\/h1>\n<h2>1. Better Contribution Tracking<\/h2>\n<p class=\"isSelectedEnd\">Contributions are one of the most important parts of table banking.<\/p>\n<p class=\"isSelectedEnd\">A digital system can help administrators see:<\/p>\n<ul data-spread=\"false\">\n<li>Expected contributions<\/li>\n<li>Amount paid<\/li>\n<li>Outstanding amount<\/li>\n<li>Previous contributions<\/li>\n<li>Advance payments<\/li>\n<li>Penalties<\/li>\n<li>Member contribution history<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Instead of checking WhatsApp messages or handwritten lists, the treasurer can review the contribution records directly.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h2>2. Improved Loan Management<\/h2>\n<p class=\"isSelectedEnd\">Loans can quickly become complicated.<\/p>\n<p class=\"isSelectedEnd\">Consider a group with 100 members where 40 members currently have active loans.<\/p>\n<p class=\"isSelectedEnd\">The administrators must know:<\/p>\n<ul data-spread=\"false\">\n<li>Original loan amount<\/li>\n<li>Interest charged<\/li>\n<li>Repayment period<\/li>\n<li>Amount repaid<\/li>\n<li>Remaining balance<\/li>\n<li>Overdue amount<\/li>\n<li>Penalty<\/li>\n<li>Guarantors<\/li>\n<li>Approval history<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A <strong>Table Banking Management System<\/strong> makes these records easier to organise.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h2>3. Member Statements<\/h2>\n<p class=\"isSelectedEnd\">Members often want to know their financial position.<\/p>\n<p class=\"isSelectedEnd\">A member statement may include:<\/p>\n<ul data-spread=\"false\">\n<li>Contributions<\/li>\n<li>Savings<\/li>\n<li>Loans<\/li>\n<li>Loan repayments<\/li>\n<li>Penalties<\/li>\n<li>Adjustments<\/li>\n<li>Other group transactions<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Without software, producing a statement may require manually checking multiple records.<\/p>\n<p class=\"isSelectedEnd\">A digital system can make the process much faster.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h2>4. Better Financial Transparency<\/h2>\n<p class=\"isSelectedEnd\">Transparency is important when members contribute money into a common fund.<\/p>\n<p class=\"isSelectedEnd\">Group officials should be able to explain:<\/p>\n<ul data-spread=\"false\">\n<li>How much money has been collected<\/li>\n<li>How much has been issued as loans<\/li>\n<li>How much has been repaid<\/li>\n<li>How much interest has been earned<\/li>\n<li>What expenses have been incurred<\/li>\n<li>What balance remains available<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A well-managed <strong>Table Banking System<\/strong> can provide reports that support this transparency.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Important Features of a <a href=\"http:\/\/awasam.co.ke\" target=\"_blank\" rel=\"noopener\">Table Banking Management System<\/a><\/h1>\n<h2>Member Management<\/h2>\n<p class=\"isSelectedEnd\">The system should maintain a central register of members.<\/p>\n<p class=\"isSelectedEnd\">Information may include:<\/p>\n<ul data-spread=\"false\">\n<li>Full name<\/li>\n<li>Membership number<\/li>\n<li>Phone number<\/li>\n<li>Email address<\/li>\n<li>Date joined<\/li>\n<li>Membership status<\/li>\n<li>Group or branch<\/li>\n<li>Next of kin<\/li>\n<li>Identification information where applicable<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A central membership database makes it easier to manage a growing organisation.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Contribution Management<\/h1>\n<p class=\"isSelectedEnd\">A table banking group may require members to contribute:<\/p>\n<ul data-spread=\"false\">\n<li>Weekly<\/li>\n<li>Monthly<\/li>\n<li>Quarterly<\/li>\n<li>During meetings<\/li>\n<li>When special projects arise<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">The system should allow administrators to record each contribution accurately.<\/p>\n<p class=\"isSelectedEnd\">This helps identify members who have:<\/p>\n<ul data-spread=\"false\">\n<li>Paid fully<\/li>\n<li>Paid partially<\/li>\n<li>Not paid<\/li>\n<li>Paid in advance<\/li>\n<li>Accumulated arrears<\/li>\n<\/ul>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Savings Management<\/h1>\n<p class=\"isSelectedEnd\">Some groups separate ordinary contributions from individual savings.<\/p>\n<p class=\"isSelectedEnd\">The software should be able to distinguish different financial activities where necessary.<\/p>\n<p class=\"isSelectedEnd\">For example:<\/p>\n<ul data-spread=\"false\">\n<li>Monthly contribution<\/li>\n<li>Individual savings<\/li>\n<li>Welfare contribution<\/li>\n<li>Investment contribution<\/li>\n<li>Special project contribution<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">This separation improves reporting.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Loan Application Management<\/h1>\n<p class=\"isSelectedEnd\">A proper system should provide a structured loan application process.<\/p>\n<p class=\"isSelectedEnd\">The application may include:<\/p>\n<ul data-spread=\"false\">\n<li>Member<\/li>\n<li>Amount requested<\/li>\n<li>Loan type<\/li>\n<li>Reason<\/li>\n<li>Repayment period<\/li>\n<li>Guarantors<\/li>\n<li>Supporting documents<\/li>\n<li>Application date<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">The request can then move through the group&#8217;s approval workflow.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Loan Approval Workflow<\/h1>\n<p class=\"isSelectedEnd\">Different groups approve loans differently.<\/p>\n<p class=\"isSelectedEnd\">A loan may require approval from:<\/p>\n<ul data-spread=\"false\">\n<li>Chairperson<\/li>\n<li>Treasurer<\/li>\n<li>Credit committee<\/li>\n<li>Management committee<\/li>\n<li>Group members<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A digital workflow makes the process easier to follow.<\/p>\n<p class=\"isSelectedEnd\">For example:<\/p>\n<p class=\"isSelectedEnd\"><strong>Loan Application \u2192 Review \u2192 Approval \u2192 Disbursement \u2192 Repayment<\/strong><\/p>\n<p class=\"isSelectedEnd\">This provides a clear history of how the loan was processed.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Loan Repayment Tracking<\/h1>\n<p class=\"isSelectedEnd\">After a loan has been issued, repayments must be recorded accurately.<\/p>\n<p class=\"isSelectedEnd\">The system should show:<\/p>\n<ul data-spread=\"false\">\n<li>Loan amount<\/li>\n<li>Principal repaid<\/li>\n<li>Interest repaid<\/li>\n<li>Outstanding principal<\/li>\n<li>Outstanding interest<\/li>\n<li>Next repayment date<\/li>\n<li>Overdue amount<\/li>\n<li>Loan status<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">This is much easier than manually calculating every member&#8217;s balance.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Interest Calculation<\/h1>\n<p class=\"isSelectedEnd\">Interest is an important part of many table banking groups.<\/p>\n<p class=\"isSelectedEnd\">Groups may use different methods.<\/p>\n<p class=\"isSelectedEnd\">Examples include:<\/p>\n<ul data-spread=\"false\">\n<li>Flat-rate interest<\/li>\n<li>Reducing balance<\/li>\n<li>Fixed monthly percentage<\/li>\n<li>Fixed total interest<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A <strong>Table Banking Software Kenya<\/strong> solution should be configured to match the rules of the group.<\/p>\n<p class=\"isSelectedEnd\">The organisation should confirm how interest is calculated before implementation.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Guarantor Management<\/h1>\n<p class=\"isSelectedEnd\">Some table banking groups require members to guarantee one another&#8217;s loans.<\/p>\n<p class=\"isSelectedEnd\">The system may need to record:<\/p>\n<ul data-spread=\"false\">\n<li>Borrower<\/li>\n<li>Guarantor<\/li>\n<li>Guaranteed amount<\/li>\n<li>Loan reference<\/li>\n<li>Guarantor status<\/li>\n<li>Outstanding guaranteed obligation<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">This is particularly important when one member guarantees several loans.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Penalty Management<\/h1>\n<p class=\"isSelectedEnd\">Groups may impose penalties for:<\/p>\n<ul data-spread=\"false\">\n<li>Late contributions<\/li>\n<li>Missed meetings<\/li>\n<li>Late loan repayments<\/li>\n<li>Failure to meet group requirements<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A digital system can help administrators apply and track these penalties consistently.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Income and Expense Management<\/h1>\n<p class=\"isSelectedEnd\">Table banking groups receive and spend money in different ways.<\/p>\n<p class=\"isSelectedEnd\">Income may include:<\/p>\n<ul data-spread=\"false\">\n<li>Member contributions<\/li>\n<li>Loan interest<\/li>\n<li>Registration fees<\/li>\n<li>Penalties<\/li>\n<li>Donations<\/li>\n<li>Investment income<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Expenses may include:<\/p>\n<ul data-spread=\"false\">\n<li>Meeting costs<\/li>\n<li>Administration<\/li>\n<li>Communication<\/li>\n<li>Bank charges<\/li>\n<li>Professional fees<\/li>\n<li>Group activities<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Recording this information makes financial reporting more complete.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Cash and Bank Management<\/h1>\n<p class=\"isSelectedEnd\">Groups may keep money through:<\/p>\n<ul data-spread=\"false\">\n<li>Bank accounts<\/li>\n<li>Mobile money<\/li>\n<li>Cash<\/li>\n<li>SACCO accounts<\/li>\n<li>Other approved financial channels<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">A table banking system should provide a structured way of recording money moving in and out of these accounts.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Financial Reports<\/h1>\n<p class=\"isSelectedEnd\">Reports are important for decision-making.<\/p>\n<p class=\"isSelectedEnd\">A strong system should provide useful reports such as:<\/p>\n<h2>Contribution Report<\/h2>\n<p class=\"isSelectedEnd\">Shows money contributed by members.<\/p>\n<h2>Loan Report<\/h2>\n<p class=\"isSelectedEnd\">Shows active, completed and overdue loans.<\/p>\n<h2>Loan Repayment Report<\/h2>\n<p class=\"isSelectedEnd\">Shows repayments made by members.<\/p>\n<h2>Outstanding Loan Report<\/h2>\n<p class=\"isSelectedEnd\">Identifies loans that still have unpaid balances.<\/p>\n<h2>Member Statement<\/h2>\n<p class=\"isSelectedEnd\">Shows the financial history of a particular member.<\/p>\n<h2>Income Report<\/h2>\n<p class=\"isSelectedEnd\">Shows income received by the group.<\/p>\n<h2>Expense Report<\/h2>\n<p class=\"isSelectedEnd\">Shows expenditure.<\/p>\n<h2>Penalty Report<\/h2>\n<p class=\"isSelectedEnd\">Shows penalties charged and paid.<\/p>\n<h2>Group Financial Summary<\/h2>\n<p class=\"isSelectedEnd\">Provides an overview of the group&#8217;s financial position.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking System vs Manual Records<\/h1>\n<p class=\"isSelectedEnd\">Many groups begin with manual records.<\/p>\n<p class=\"isSelectedEnd\">However, the difference becomes significant as membership increases.<\/p>\n<table>\n<tbody>\n<tr>\n<th>Feature<\/th>\n<th>Manual Table Banking<\/th>\n<th>Digital Table Banking System<\/th>\n<\/tr>\n<tr>\n<td>Member records<\/td>\n<td>Books and spreadsheets<\/td>\n<td>Central database<\/td>\n<\/tr>\n<tr>\n<td>Contributions<\/td>\n<td>Manually calculated<\/td>\n<td>Structured tracking<\/td>\n<\/tr>\n<tr>\n<td>Loans<\/td>\n<td>Paper files<\/td>\n<td>Digital records<\/td>\n<\/tr>\n<tr>\n<td>Repayments<\/td>\n<td>Manual calculations<\/td>\n<td>Recorded per loan<\/td>\n<\/tr>\n<tr>\n<td>Member statements<\/td>\n<td>Time-consuming<\/td>\n<td>Easier to generate<\/td>\n<\/tr>\n<tr>\n<td>Reports<\/td>\n<td>Manual<\/td>\n<td>System generated<\/td>\n<\/tr>\n<tr>\n<td>User permissions<\/td>\n<td>Limited<\/td>\n<td>Role-based<\/td>\n<\/tr>\n<tr>\n<td>Audit history<\/td>\n<td>Difficult<\/td>\n<td>Better traceability<\/td>\n<\/tr>\n<tr>\n<td>Multi-branch support<\/td>\n<td>Difficult<\/td>\n<td>Easier to organise<\/td>\n<\/tr>\n<tr>\n<td>Leadership transition<\/td>\n<td>File dependent<\/td>\n<td>Centralised records<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p class=\"isSelectedEnd\">Manual records are not automatically wrong.<\/p>\n<p class=\"isSelectedEnd\">However, the workload becomes harder to manage as the group grows.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking vs Merry-Go-Round<\/h1>\n<p class=\"isSelectedEnd\">These two models are sometimes confused.<\/p>\n<p class=\"isSelectedEnd\">A merry-go-round generally involves members contributing a fixed amount and giving the combined contribution to one member at a time.<\/p>\n<p class=\"isSelectedEnd\">For example:<\/p>\n<p class=\"isSelectedEnd\">Ten members contribute KSh 5,000.<\/p>\n<p class=\"isSelectedEnd\">The total contribution is KSh 50,000.<\/p>\n<p class=\"isSelectedEnd\">One member receives the KSh 50,000 during that cycle.<\/p>\n<p class=\"isSelectedEnd\">The next member receives the contribution during the next cycle.<\/p>\n<p class=\"isSelectedEnd\">Table banking is different.<\/p>\n<p class=\"isSelectedEnd\">Instead of distributing the entire contribution to one member, the money remains within a shared fund and can be loaned to members.<\/p>\n<p class=\"isSelectedEnd\">This allows the fund to continue growing.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking vs Chama<\/h1>\n<p class=\"isSelectedEnd\">A chama is a broader term.<\/p>\n<p class=\"isSelectedEnd\">A chama may operate:<\/p>\n<ul data-spread=\"false\">\n<li>Savings<\/li>\n<li>Investments<\/li>\n<li>Merry-go-round<\/li>\n<li>Welfare funds<\/li>\n<li>Loans<\/li>\n<li>Property investments<\/li>\n<li>Business investments<\/li>\n<li>Table banking<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Therefore, table banking can be one activity within a chama.<\/p>\n<p class=\"isSelectedEnd\">A <strong>Chama Management System<\/strong> can support broader functionality, while a table banking platform focuses heavily on contributions, savings and member lending.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking for Women Groups in Kenya<\/h1>\n<p class=\"isSelectedEnd\">Women groups have played a major role in the growth of table banking in Kenya.<\/p>\n<p class=\"isSelectedEnd\">Members can combine small regular contributions and create access to a larger shared financial pool.<\/p>\n<p class=\"isSelectedEnd\">The group can then use the fund according to its constitution.<\/p>\n<p class=\"isSelectedEnd\">For example, members may use loans for:<\/p>\n<ul data-spread=\"false\">\n<li>Small businesses<\/li>\n<li>Farming<\/li>\n<li>Education<\/li>\n<li>Household projects<\/li>\n<li>Stock purchases<\/li>\n<li>Business expansion<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Digital management helps such groups keep better records as membership and transaction volumes increase.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking for Youth Groups<\/h1>\n<p class=\"isSelectedEnd\">Youth groups can also use table banking to build financial discipline.<\/p>\n<p class=\"isSelectedEnd\">Members contribute regularly and access loans based on agreed rules.<\/p>\n<p class=\"isSelectedEnd\">The system can help youth organisations manage:<\/p>\n<ul data-spread=\"false\">\n<li>Membership<\/li>\n<li>Contributions<\/li>\n<li>Loans<\/li>\n<li>Repayments<\/li>\n<li>Group projects<\/li>\n<li>Reports<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Having clear records is especially important when the group begins handling significant amounts of money.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking for Investment Groups<\/h1>\n<p class=\"isSelectedEnd\">Investment groups can use table banking alongside investment activities.<\/p>\n<p class=\"isSelectedEnd\">For example, the group may:<\/p>\n<ol start=\"1\" data-spread=\"false\">\n<li>Collect member contributions.<\/li>\n<li>Issue short-term loans.<\/li>\n<li>Earn interest.<\/li>\n<li>Build the group&#8217;s capital.<\/li>\n<li>Invest part of the accumulated fund.<\/li>\n<\/ol>\n<p class=\"isSelectedEnd\">The system should separate loan activities from investment transactions where required.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking for Employee Groups<\/h1>\n<p class=\"isSelectedEnd\">Employees working in the same organisation may establish an internal table banking group.<\/p>\n<p class=\"isSelectedEnd\">Members can contribute through agreed payment channels and borrow from the pooled fund.<\/p>\n<p class=\"isSelectedEnd\">A digital platform can make administration easier, particularly when there are many employees.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Table Banking for Churches and Community Groups<\/h1>\n<p class=\"isSelectedEnd\">Church and community groups may also create savings and lending programmes.<\/p>\n<p class=\"isSelectedEnd\">A digital system can provide more organised management of:<\/p>\n<ul data-spread=\"false\">\n<li>Members<\/li>\n<li>Contributions<\/li>\n<li>Loans<\/li>\n<li>Repayments<\/li>\n<li>Welfare activities<\/li>\n<li>Reports<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">The organisation should always define its own rules before selecting software.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>How to Start a <a href=\"http:\/\/saseni.co.ke\" target=\"_blank\" rel=\"noopener\">Table Banking Group<\/a><\/h1>\n<p class=\"isSelectedEnd\">Starting table banking requires more than collecting money.<\/p>\n<p class=\"isSelectedEnd\">The group should establish clear rules.<\/p>\n<h2>Step 1: Form the Group<\/h2>\n<p class=\"isSelectedEnd\">Identify members who want to participate.<\/p>\n<h2>Step 2: Create a Constitution<\/h2>\n<p class=\"isSelectedEnd\">The constitution should define how the group operates.<\/p>\n<p class=\"isSelectedEnd\">It may include:<\/p>\n<ul data-spread=\"false\">\n<li>Membership rules<\/li>\n<li>Contribution amount<\/li>\n<li>Loan eligibility<\/li>\n<li>Interest rate<\/li>\n<li>Repayment period<\/li>\n<li>Penalties<\/li>\n<li>Guarantor requirements<\/li>\n<li>Leadership roles<\/li>\n<li>Meeting rules<\/li>\n<li>Exit procedures<\/li>\n<\/ul>\n<h2>Step 3: Appoint Officials<\/h2>\n<p class=\"isSelectedEnd\">Typical roles include:<\/p>\n<ul data-spread=\"false\">\n<li>Chairperson<\/li>\n<li>Secretary<\/li>\n<li>Treasurer<\/li>\n<li>Credit officer<\/li>\n<li>Committee members<\/li>\n<\/ul>\n<h2>Step 4: Establish Contribution Rules<\/h2>\n<p class=\"isSelectedEnd\">Agree on:<\/p>\n<ul data-spread=\"false\">\n<li>Contribution amount<\/li>\n<li>Frequency<\/li>\n<li>Payment deadline<\/li>\n<li>Penalties<\/li>\n<\/ul>\n<h2>Step 5: Define Loan Rules<\/h2>\n<p class=\"isSelectedEnd\">Decide:<\/p>\n<ul data-spread=\"false\">\n<li>Maximum loan<\/li>\n<li>Interest rate<\/li>\n<li>Repayment period<\/li>\n<li>Guarantor requirements<\/li>\n<li>Loan approval process<\/li>\n<\/ul>\n<h2>Step 6: Choose a Record-Keeping System<\/h2>\n<p class=\"isSelectedEnd\">Small groups may begin manually.<\/p>\n<p class=\"isSelectedEnd\">However, groups planning to grow should consider a digital <a href=\"http:\/\/dereva.co.ke\" target=\"_blank\" rel=\"noopener\"><strong>Table Banking Management System<\/strong>.<\/a><\/p>\n<h2>Step 7: Start Recording Transactions<\/h2>\n<p class=\"isSelectedEnd\">Every contribution, loan, repayment and expense should be recorded.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Challenges of Table Banking<\/h1>\n<p class=\"isSelectedEnd\">Table banking can be very effective, but groups can experience several challenges.<\/p>\n<h2>Poor Record Keeping<\/h2>\n<p class=\"isSelectedEnd\">When records are incomplete, disagreements can develop.<\/p>\n<h2>Loan Defaults<\/h2>\n<p class=\"isSelectedEnd\">Members may fail to repay loans according to agreed schedules.<\/p>\n<h2>Leadership Disputes<\/h2>\n<p class=\"isSelectedEnd\">Lack of transparency may create conflict between members and officials.<\/p>\n<h2>Manual Calculation Errors<\/h2>\n<p class=\"isSelectedEnd\">Interest, repayments and balances may be calculated incorrectly.<\/p>\n<h2>Missing Documents<\/h2>\n<p class=\"isSelectedEnd\">Paper records can be misplaced.<\/p>\n<h2>Fraud Risk<\/h2>\n<p class=\"isSelectedEnd\">Weak controls can make group funds more difficult to monitor.<\/p>\n<h2>Leadership Handover Problems<\/h2>\n<p class=\"isSelectedEnd\">New officials may struggle to understand old records.<\/p>\n<p class=\"isSelectedEnd\">A digital system can reduce many of these administrative challenges.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>How Table Banking Software Improves Accountability<\/h1>\n<p class=\"isSelectedEnd\">A good table banking platform creates a clear record of activities.<\/p>\n<p class=\"isSelectedEnd\">Administrators can review:<\/p>\n<ul data-spread=\"false\">\n<li>Who recorded a contribution<\/li>\n<li>When a loan was approved<\/li>\n<li>Who approved it<\/li>\n<li>How much was disbursed<\/li>\n<li>How much has been repaid<\/li>\n<li>Which penalties were applied<\/li>\n<li>Which transactions were edited<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">This information makes it easier to investigate questions raised by members.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Role-Based Access in <a href=\"http:\/\/pos.co.ke\" target=\"_blank\" rel=\"noopener\">Table Banking Software<\/a><\/h1>\n<p class=\"isSelectedEnd\">Not every user should have the same permissions.<\/p>\n<p class=\"isSelectedEnd\">For example:<\/p>\n<h3>Treasurer<\/h3>\n<p class=\"isSelectedEnd\">May record contributions and payments.<\/p>\n<h3>Secretary<\/h3>\n<p class=\"isSelectedEnd\">May manage members and meetings.<\/p>\n<h3>Credit Officer<\/h3>\n<p class=\"isSelectedEnd\">May review loan applications.<\/p>\n<h3>Chairperson<\/h3>\n<p class=\"isSelectedEnd\">May approve certain transactions.<\/p>\n<h3>Administrator<\/h3>\n<p class=\"isSelectedEnd\">May manage system configuration.<\/p>\n<h3>Auditor<\/h3>\n<p class=\"isSelectedEnd\">May receive read-only access to reports.<\/p>\n<p class=\"isSelectedEnd\">Role-based permissions help reduce unnecessary access to sensitive group information.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Multi-Branch Table Banking Groups<\/h1>\n<p class=\"isSelectedEnd\">Some organisations have members in different locations.<\/p>\n<p class=\"isSelectedEnd\">A digital system may organise members by:<\/p>\n<ul data-spread=\"false\">\n<li>Branch<\/li>\n<li>County<\/li>\n<li>Region<\/li>\n<li>Department<\/li>\n<li>Chapter<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Head-office administrators can then review consolidated reports while authorised branch officials manage their respective members.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Mobile Money and Table Banking<\/h1>\n<p class=\"isSelectedEnd\">Mobile money has become an important payment channel for many groups.<\/p>\n<p class=\"isSelectedEnd\">Members may use mobile payments to make:<\/p>\n<ul data-spread=\"false\">\n<li>Contributions<\/li>\n<li>Loan repayments<\/li>\n<li>Penalty payments<\/li>\n<li>Special contributions<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">When supported integrations are implemented, transaction reconciliation can become easier.<\/p>\n<p class=\"isSelectedEnd\">The group should always confirm which payment integrations are supported before selecting a system.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>What to Look for in Table Banking Software Kenya<\/h1>\n<p class=\"isSelectedEnd\">When choosing a <a href=\"http:\/\/zes.co.ke\" target=\"_blank\" rel=\"noopener\"><strong>Table Banking Software Kenya<\/strong><\/a> solution, consider the following areas.<\/p>\n<h2>Ease of Use<\/h2>\n<p class=\"isSelectedEnd\">Officials should be able to understand the system without complicated technical knowledge.<\/p>\n<h2>Member Management<\/h2>\n<p class=\"isSelectedEnd\">The software should maintain organised member records.<\/p>\n<h2>Contribution Tracking<\/h2>\n<p class=\"isSelectedEnd\">Contribution records should be easy to review.<\/p>\n<h2>Loan Management<\/h2>\n<p class=\"isSelectedEnd\">The platform should support the group&#8217;s actual lending rules.<\/p>\n<h2>Interest Calculation<\/h2>\n<p class=\"isSelectedEnd\">Ensure the software supports your agreed interest model.<\/p>\n<h2>Repayment Tracking<\/h2>\n<p class=\"isSelectedEnd\">Outstanding balances should be clear.<\/p>\n<h2>Reports<\/h2>\n<p class=\"isSelectedEnd\">Ask to see actual reports before implementation.<\/p>\n<h2>User Permissions<\/h2>\n<p class=\"isSelectedEnd\">Different officials should have appropriate access.<\/p>\n<h2>Audit Trail<\/h2>\n<p class=\"isSelectedEnd\">Important actions should be traceable.<\/p>\n<h2>Data Export<\/h2>\n<p class=\"isSelectedEnd\">Your organisation should understand how records can be exported.<\/p>\n<h2>Support<\/h2>\n<p class=\"isSelectedEnd\">Confirm whether assistance is available when administrators need help.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>How TAS Supports <a href=\"http:\/\/wito.co.ke\" target=\"_blank\" rel=\"noopener\">Table Banking Groups<\/a><\/h1>\n<p class=\"isSelectedEnd\">TAS provides digital tools designed for member-based organisations such as chamas, welfare groups and table banking groups.<\/p>\n<p class=\"isSelectedEnd\">A properly configured implementation can help organise important processes including:<\/p>\n<ul data-spread=\"false\">\n<li>Member management<\/li>\n<li>Contributions<\/li>\n<li>Savings<\/li>\n<li>Loans<\/li>\n<li>Repayments<\/li>\n<li>Income<\/li>\n<li>Expenses<\/li>\n<li>Meetings<\/li>\n<li>Reports<\/li>\n<li>User permissions<\/li>\n<li>Financial records<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">The objective is to help organisations move away from scattered spreadsheets and paper records toward a centralised management platform.<\/p>\n<p class=\"isSelectedEnd\">For groups handling both savings and lending, a wider<a href=\"http:\/\/dereva.co.ke\" target=\"_blank\" rel=\"noopener\"> <strong>Chama Management System Kenya<\/strong><\/a> approach may provide more flexibility as the organisation grows.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Why Digital Table Banking Is Important for Growing Groups<\/h1>\n<p class=\"isSelectedEnd\">A group with ten members can sometimes manage using a notebook.<\/p>\n<p class=\"isSelectedEnd\">A group with 500 members requires much stronger controls.<\/p>\n<p class=\"isSelectedEnd\">Growth creates more:<\/p>\n<ul data-spread=\"false\">\n<li>Transactions<\/li>\n<li>Loans<\/li>\n<li>Repayments<\/li>\n<li>Reports<\/li>\n<li>Questions<\/li>\n<li>User accounts<\/li>\n<li>Financial responsibility<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">Digital systems help organisations manage this complexity.<\/p>\n<p class=\"isSelectedEnd\">The value of the software is not simply that it stores records.<\/p>\n<p class=\"isSelectedEnd\">The real value is that it makes records easier to organise, retrieve, verify and report.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Frequently Asked Questions About Table Banking<\/h1>\n<h2>What is table banking?<\/h2>\n<p class=\"isSelectedEnd\">Table banking is a financial model where members contribute money into a common fund and then lend the pooled money to members according to agreed rules.<\/p>\n<h2>How does table banking work?<\/h2>\n<p class=\"isSelectedEnd\">Members make regular contributions. The pooled money is used to provide loans to qualifying members. Borrowers repay the loans according to agreed terms, often with interest.<\/p>\n<h2>Is table banking the same as a chama?<\/h2>\n<p class=\"isSelectedEnd\">No. A chama can undertake many activities including savings, investments, loans, welfare and merry-go-rounds. Table banking is one financial model that a chama may use.<\/p>\n<h2>What is a Table Banking System?<\/h2>\n<p class=\"isSelectedEnd\">A Table Banking System is software used to manage members, contributions, savings, loans, repayments, penalties and financial reports.<\/p>\n<h2>Can table banking software calculate loans?<\/h2>\n<p class=\"isSelectedEnd\">Yes, depending on the system configuration. The organisation should ensure that the software supports its interest and repayment rules.<\/p>\n<h2>Can table banking software manage guarantors?<\/h2>\n<p class=\"isSelectedEnd\">A suitable system can record guarantors and guaranteed loan obligations.<\/p>\n<h2>Can table banking software generate member statements?<\/h2>\n<p class=\"isSelectedEnd\">Yes. Member statements can show contributions, loans, repayments and other financial activities.<\/p>\n<h2>Can a table banking system manage penalties?<\/h2>\n<p class=\"isSelectedEnd\">Yes. Penalties for late contributions, missed meetings or overdue loan repayments can be recorded according to the group&#8217;s rules.<\/p>\n<h2>Can table banking work for women groups?<\/h2>\n<p class=\"isSelectedEnd\">Yes. Women groups are among the organisations that frequently use table banking models.<\/p>\n<h2>Can youth groups use table banking?<\/h2>\n<p class=\"isSelectedEnd\">Yes. Youth groups can use table banking for savings, lending and group financial development.<\/p>\n<h2>Can table banking be managed online?<\/h2>\n<p class=\"isSelectedEnd\">Yes. Cloud-based table banking software allows authorised users to manage group records digitally.<\/p>\n<h2>Is Excel enough for table banking?<\/h2>\n<p class=\"isSelectedEnd\">Excel may be suitable for small groups, but larger groups may require better user permissions, loan management, member statements, audit history and reporting.<\/p>\n<h2>What is the best table banking software in Kenya?<\/h2>\n<p class=\"isSelectedEnd\">The best software depends on your group&#8217;s membership size, contribution rules, loan structure, approval workflow, reporting requirements and expected growth.<\/p>\n<div contenteditable=\"false\">\n<hr \/>\n<\/div>\n<h1>Get a Table Banking Management System in Kenya<\/h1>\n<p class=\"isSelectedEnd\">If your group currently manages contributions, loans and repayments using notebooks, WhatsApp messages and spreadsheets, moving to a digital <strong>Table Banking System<\/strong> can make administration easier.<\/p>\n<p class=\"isSelectedEnd\">A well-implemented system can help you manage:<\/p>\n<ul data-spread=\"false\">\n<li>Members<\/li>\n<li>Contributions<\/li>\n<li>Savings<\/li>\n<li>Loans<\/li>\n<li>Repayments<\/li>\n<li>Penalties<\/li>\n<li>Income<\/li>\n<li>Expenses<\/li>\n<li>Financial reports<\/li>\n<\/ul>\n<p class=\"isSelectedEnd\">The most important step is to choose a platform that reflects how your group actually operates.<\/p>\n<p class=\"isSelectedEnd\">Before implementation, document your contribution rules, loan rules, interest rates, repayment schedules and approval processes.<\/p>\n<p class=\"isSelectedEnd\">Then test the system using real examples.<\/p>\n<h1><\/h1>\n<p class=\"isSelectedEnd\"><strong>Table Banking in Kenya<\/strong> provides groups with a practical way to combine member contributions, provide access to loans and build collective financial resources.<\/p>\n<p class=\"isSelectedEnd\">However, as the group grows, proper record keeping becomes increasingly important.<\/p>\n<p class=\"isSelectedEnd\">A modern <strong>Table Banking Management System<\/strong> can help groups improve contribution tracking, loan management, repayment monitoring, accountability and reporting.<\/p>\n<p class=\"isSelectedEnd\">Instead of depending on multiple spreadsheets, paper files and individual officials, groups can maintain their important records from one central platform.<\/p>\n<p class=\"isSelectedEnd\">Whether you manage a women group, youth group, employee association, investment group, church group or community organisation, digital table banking can provide a stronger foundation for sustainable growth.<\/p>\n<p><strong>TAS provides digital tools designed to help Kenyan chamas, welfare groups and table banking organisations manage their members, contributions, loans and financial records more efficiently.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Is Table Banking? Table Banking is a group-based financial model where members regularly contribute money into a common fund and then lend that money to members according to agreed rules. The concept is popular among chamas, women groups, youth groups, community organisations, investment groups and other member-based associations. In a typical table banking group, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-354","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/posts\/354","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=354"}],"version-history":[{"count":1,"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/posts\/354\/revisions"}],"predecessor-version":[{"id":355,"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/posts\/354\/revisions\/355"}],"wp:attachment":[{"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tas.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}