Our chama has Sh3m. How do we raise more funds to buy Kiambu land, build maisonettes?

My name is Donatus. I’m 29 and I’m in an investment chama of 10 male members. We are all in the informal Jua kali sector. We all have families and children.

We contribute Sh1,000 monthly and take mandatory loans to raise capital from loan interests. We repay these loans every four months at an interest rate of five percent per month – but don’t pay any interest on the fourth month when we repay all the loans.