5 rules every chama needs in their constitution
From contribution defaults to exit clauses — the rules that prevent the most arguments.
T
Team
27 April 2026 · 6 min read
Every chama eventually faces the same five problems. Here is how a clear, signed constitution prevents the worst of them.
## 1. Contribution defaults
What happens if a member misses a month? Define penalties up front, not in the heat of the moment.
## 2. Loan eligibility
Who can borrow, how much, and at what interest? A documented matrix beats case-by-case voting.
## 3. Voting thresholds
Which decisions need simple majority vs supermajority? Spell it out.
## 4. Exit clauses
A member wants to leave. Do they get their savings back? With interest? Over how many months?
## 5. Dispute resolution
Mediation first, then board vote, then external arbitration. Document the ladder.
#constitution
#governance
#rules