Contributions, rotations and micro-loans for njangi groups and tontines
Request a demonstrationNjangi works because everyone trusts the book. The trouble is that the book is one exercise ledger, it lives with the treasurer, and the members see it once a month at the meeting, if it comes out at all. Every dispute in a njangi group is really a dispute about the book.
Opes Njangi gives every member their own live view of the same ledger. Contributions, the rotation order, fines, the loan fund and each member's position are visible from a phone, so trust is maintained by evidence rather than by memory.
The order of collection set at the start, tracked as it runs, with the next recipient and the date visible to everyone in the group.
Each member's contributions, late fines and arrears recorded per cycle, with a running position they can check at any time.
Members contribute over MTN MoMo or Orange Money and are credited automatically, so the treasurer is not carrying cash.
Micro-loans from the group fund with interest, a schedule and a guarantor, tracked separately from contributions.
Every member can pull their own statement for any cycle. Disputes end at the statement rather than at the meeting.
Every movement carries who recorded it and when. A handover to a new treasurer takes minutes and leaves nothing unexplained.
Njangi and tontine groups, savings and credit associations, staff welfare and cooperative societies, church and association funds, and diaspora groups contributing from abroad.
Members, contribution amount, cycle frequency, fine rules and the rotation order agreed and recorded once.
Members are reminded, contribute in cash at the meeting or by Mobile Money, and each contribution posts against their name.
The scheduled recipient receives the pot, recorded against the rotation so the position is unambiguous for the rest of the cycle.
Loans are issued from the fund with a schedule; late contributions attract the fine the group agreed, applied consistently.
Statements are available to every member, arrears are carried forward transparently, and the next cycle opens from a clean position.
No. Members without a smartphone receive their position and reminders by SMS, and the treasurer can record cash contributions on their behalf at the meeting.
Yes. Diaspora members contribute by Mobile Money or transfer and see the same live ledger as everyone at home, which is usually the point at which a group decides to digitise.
Every entry is stamped with who made it and when, and members hold their own statements. An altered figure is visible to the whole group, which is a stronger control than a locked drawer.
Yes. The rotating contribution and the loan fund are tracked separately against the same members, so a member's savings position and loan balance never get confused.
We will set it against your own workflow rather than a generic demonstration. Tell us how you operate and we will tailor it.
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