Even the most disciplined saver can’t predict the unexpected — a family emergency, a medical crisis, a job loss. Most traditional stokvels or savings plans don’t allow early access to your funds, or if they do, they punish you with penalties, delays, or judgment.

At MyChama, we believe in structured saving, but we also believe in real life. That’s why we’ve built an Emergency Access Option that respects both the rules and the realities of our members’ lives.

It’s not a loophole — it’s a safety net
Emergency access is available for members who genuinely need it. It’s not a way to quit the circle early — it’s a way to support our members when life throws something serious their way.

How it works
A member can submit an emergency access request through the portal. The reason is reviewed confidentially, and the group leadership — or an agreed committee — evaluates the request fairly and quickly.

Quick, respectful process
No long forms, no judgment. We know asking for help can already be tough — so we’ve made the process compassionate and efficient.

Still protects the circle
Because every withdrawal is reviewed, we protect the group’s stability. This ensures that emergency access helps members without harming the bigger picture — keeping the structure strong.

Builds trust and community
Knowing that your group won’t abandon you in tough times creates deeper trust. It’s this balance of structure and support that makes MyChama more than a savings plan — it’s a circle of care.

Final Thought
“When my father was hospitalized, I didn’t know where to turn. MyChama responded within 24 hours — no red tape, just real help when I needed it most.”