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The Kenya Times
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How Chama of 13 Women Built Luxurious Villas in Kiambu [PHOTOS]

by Joy Kwama
January 13, 2025
Reading Time: 4 mins read
Members Of The Komrades Dream Team Chama

A collage of members of the Komrades Dream Team chama during the unveiling of Komrades Valley Homes (Left) and the Villas (Right). PHOTO/Equity Bank.

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A chama of 13 women has marked a milestone with the grand unveiling of 17 luxury villas in the serene Migaa Golf Estate, Kiambu.

The project dubbed Komrades Valley Homes, is an achievement for the Komrades Dream Team, a chama founded by the women with a vision for financial empowerment and real estate investment.

Although they had a modest beginning, the group is now a huge investment enterprise with hundreds of shareholders, including men.

Speaking during the unveiling of the villas, Komrades CEO Elizabeth Mugo stated that they used the little money they had and partnered with Equity Bank’s Ridgeways Branch to finance the project.

Members Of The Komrades Dream Team Chama
A collage of members of the Komrades Dream Team chama during the unveiling of Komrades Valley Homes. PHOTO/Equity Bank

The bank issued them with a Chama Loan facility under Pamoja Banking, a program tailored to support self-help groups and community-driven investment initiatives.

“We started as 13 women with a vision, and today, we have grown into an investment group with hundreds of shareholders, including men.

“Equity Bank believed in us, and together, we’ve created high-quality homes that empower women through property ownership and provide a safe and secure foundation for families,” Mugo said.

Beyond real estate, Komrades Dream Team operates subsidiaries specializing in insurance brokerage, medical services, and cooperative savings.


Also Read: From Matatu Crew to Owners, How a Chama Turned Ksh7K to Millions


Details of the Luxurious 17 Villas Built by the Chama

Nestled within the serene grounds of Migaa Golf Estate, the 17 all-ensuite villas exude an air of timeless elegance and modern sophistication.

They are designed with a minimalist architecture that seamlessly blends with the rolling fairways of an 18-hole golf course, each villa offers an unparalleled living experience in a secure environment.

Further, the villas are a perfect retreat for homeowners seeking luxury in a tranquil environment. Each villa boasts stunning interiors, exuding both sophistication and comfort.

Additionally, the modern kitchens are a harmonious fusion of style and functionality, fully equipped with state-of-the-art appliances, sleek cabinetry, and premium countertops that invite culinary inspiration.

“These homes are not just houses, they are masterpieces of design,” said homeowner Cecilia Ngaruiya. “From spacious living areas with gleaming floors to fully equipped modern kitchens that seamlessly combine style and functionality, every detail reflects elegance.”

Additionally, the bedrooms offer sanctuaries of comfort, adorned with luxurious fittings, soft ambient lighting, and floor-to-ceiling windows that frame breathtaking views of the lush landscape.

Bathrooms rival the indulgence of five-star spas, boasting sleek finishes, rain showers, and elegant vanities that reflect refined taste and attention to detail.

According to Leah Mbugua, a Migaa Golf Estate resident representative, the homes incorporate eco-friendly water and energy systems, ensuring convenience while embracing environmental consciousness.

The Komrades Dream Team Chama
The Luxurious 17 Villas Built by the Komrades Dream Team chama. PHOTO/Equity Group

Also Read: How Women-Led SMEs in Kenya Can Scale up Through Partnerships


Equity Bank Bosses Grace the Event

The launch event, marked by pomp and celebration, was attended by family, friends, and financial partners, including representatives from Equity Bank’s Ridgeways Branch,

Equity Bank’s Head of Commercial Marketing, Peter Muturi, emphasized the bank’s commitment to empowering communities through financial solutions that promote growth and development.

“We are not just celebrating new homeowners today; we are celebrating a brighter future and new opportunities. Equity Bank remains dedicated to transforming the lives of communities we serve by supporting investment groups like Komrades, helping people achieve their dreams of decent and secure housing,” Muturi said

Moreover, Muturi cut the ribbon to officially open Komrades Valley Homes, while Jane Waweru, BGDM of Equity Ridgeways Branch, encouraged other self-help groups to embrace savings and investment opportunities offered through Chama Loans.

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Members Of The Komrades Dream Team Chama
Inside the Luxurious 17 Villas Built by the Komrades Dream Team chama. PHOTO/Equity Group
Members Of The Komrades Dream Team Chama
Inside the Luxurious 17 Villas Built by the Komrades Dream Team chama. PHOTO/Equity Group
Members Of The Komrades Dream Team Chama
An aerial view of Migaa Golf Estate, where fairways of an 18-hole golf course are interspersed with homes. PHOTO/Google photos
Tags: chamaEquity BankKiambuVilla

Joy Kwama

Mercy Joy Kwama is a Digital Correspondent at The Kenya Times who is dedicated to the art of storytelling, truth-telling and changing narratives. She covers diverse topics including politics, social justice, gender, humanitarian matters, and policy. Mercy is especially driven to amplify the voices of marginalized African communities and challenge the status quo. She is a graduate of Riara University with a degree in Communications and Multimedia Journalism and is well-equipped to navigate the complex landscape of news reporting. In her spare time, Mercy likes to pick up new skills including dancing, gardening, reading, and meeting new people. She can be reached at [email protected]

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