Chama may refer to:
Chama is a small town in the Muchinga Province of Zambia, and is headquarters of Chama District. It is one of the most remote district headquarters in the country, lying just inside the eastern edge of the upper Luangwa Rift Valley, at the foot of the highlands dividing Zambia and Malawi. It is served by only one gravel road which comes from Lundazi and the provincial capital, Chipata, 300 km to the south. A dirt track connects the town to the South Luangwa National Park 200 km south-west, running parallel to the Luangwa River. There are no roads west from Chama across the Luangwa Valley, but a little-used dirt track follows the Malawi border further north and crosses into Isoka District west of the Nyika Plateau.
A Chama is an informal cooperative society that is normally used to pool and invest savings by people in East Africa, and particularly Kenya. The chama phenomenon is also referred to as "micro-savings groups". "Chama" (also spelled Kyama by certain tribes) is the Kiswahili word for "group" or "body". The chama phenomenon arose out of the idea of harambee, which means "all together", in the late 1980s and 1990s. Originally, chamas tended to be exclusively women's groups, but as chamas started to grow in sophistication and success, men started participating in chamas as well. The chama structure is used throughout Africa, but is particularly popular in Kenya where the word originated. In Kenya there are estimated to be 300,000 chamas managing a total of KSH 300 billion (USD $3.4 billion) in assets. Chamas are known for their exclusivity. In order to join new members are typically subjected to extensive interviews and must have assurances or guarantees made for them by an existing member. Some sources have estimated that one in three Kenyans are chama members.
Fala, estou pronta pra te ouvir, então chama
E se o mundo permitir a gente ama
Tá ardendo essa paixão por dentro, grita
Deixe o céu se abrir nestse momento
Chora, põe pra fora essa vontade linda agora
Como se existisse amor ainda glória
O caminho pode dar na mesma chama
E o destino de quem ama
Se eu soubesse que o amor te envaidece
Não teria dado a chance que eu te dei
Esse medo isso é comum a gente esquece
Mas não tenha tanto orgulho assim
Você pode ser melhor pra mim, eu sei
Quero ver seu lado mais adulto