The Njanghi circle, now in your pocket.
Save together, borrow from each other, and carry one another through life's biggest moments — the way African communities always have, now with transparent digital tools, automated rotations, and real-time tracking for every member.
Informal savings groups already move billions —
they just don't have the tools they deserve.
Across the continent, rotating and accumulating savings groups are the financial backbone for households that formal banks overlook. Njanghi gives these groups the structure of a bank with the trust of a community.
One app. Every kind of Njanghi.
Whichever way your community has always saved, Njanghi digitises it — without changing the spirit of it.
ROSCA — Rotating Pot
Members contribute a fixed amount every week or month. The full pot goes to one member on a rotating basis, until everyone has received their turn. Njanghi automates the schedule, reminders, and payout order.
ASCA — Group Bank
Contributions build up in a shared pool that members can borrow from, repaying with interest. At year-end, profits are distributed or reinvested — Njanghi tracks every loan, repayment, and share automatically.
Goal & Care Cover
For weddings, burials, illness, and life's big moments. Members pay a regular premium, and when something happens, the group releases cash and coordinates practical support — tents, food, logistics — instantly.
From WhatsApp chaos to a transparent ledger, in four steps.
No more screenshots, no more "who paid this month?" — every contribution, payout, and loan lives in one shared, auditable record that every member can see.
Create your group
Choose your model — rotation, accumulation, or goal cover — set your contribution amount and cycle.
Invite your members
Add up to 12 members free. Everyone gets visibility into balances, schedules, and history.
Contribute on schedule
Automated reminders, mobile money integrations, and a running ledger keep the group honest.
Track, borrow, and grow
Watch the pot rotate, request a loan from the group fund, or see your goal-cover balance grow.
Contribution reliability
Group trust rating
4.8 / 5 average across 6 cycles
Trust ratings are built from on-time contributions, completed cycles, and peer reviews from fellow members.
See exactly who's reliable — before you're relying on them.
Every member builds a Njanghi Trust Score from their contribution history. Group admins get a live dashboard of payments, payout order, and group health — so trust isn't just a feeling, it's a number everyone can see.
- Real-time contribution tracking per member
- Trust scores carried across every group you join
- Group ratings to help new members choose wisely