Njangi

Save together. Grow together.

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Get the Njangi app

Get it onGoogle Play

How a Njangi works on the app

A Njangi (also called a tontine or rotating savings group) is a circle of people who save together. Njangi runs the whole circle for you.

  1. 1

    Create or join a group

    Set the contribution amount, the number of members and the day money is collected, then invite your members with a link.

  2. 2

    Everyone contributes each round

    Members pay their share with MTN MoMo or their PlentiKash wallet. If you are short on cash, a PlentiKash loan (available once you have paid 2 completed rounds) can fund it first. Every payment is recorded and visible to the whole group.

  3. 3

    One member collects the pot

    The round’s beneficiary is picked by a fair ballot or a rotation order you choose, and the pot is paid out to their wallet or mobile money number.

  4. 4

    The circle keeps turning

    Next round, the next member collects, until everyone has had their turn. Then start a new cycle.

Short on cash mid-rotation? A PlentiKash loan can fund your contribution

Once you have paid 2 completed rounds, and before your own turn to collect, you can take a PlentiKash loan for exactly what you owe. The money goes to your PlentiKash wallet, and you then pay your contribution with MTN MoMo or their PlentiKash wallet, so the group is never left waiting. PlentiKash sets the interest and the terms and shows them before you confirm. When your turn comes, the loan is repaid automatically from your payout, and the app always shows what you still owe.

Everything your savings group needs

Frequently asked questions

What is a Njangi?

A Njangi is a rotating savings and credit association, also known as a tontine, susu or esusu. A group of people contribute the same amount every round and, each round, one member receives the whole pot until everyone has had a turn.

How do members pay their contributions?

With MTN Mobile Money or their PlentiKash wallet. Payments are processed through PlentiKash and confirmed before they count towards the round. If you are short on cash, you can first take a PlentiKash loan (it goes to your PlentiKash wallet) and then pay with MoMo or your PlentiKash wallet.

How is the person who collects each round chosen?

Through a ballot (random draw) or a manual rotation order set when the cycle is created. The order is visible to every member.

What happens if I cannot pay on time?

Once you have paid 2 completed rounds, and before your own turn, you can take a PlentiKash loan for your contribution (the money goes to your PlentiKash wallet), then pay it with MoMo or your PlentiKash wallet. The loan is recovered automatically from your payout when it is your turn.

Is my money and data safe?

Accounts are protected by a phone number, a one-time code and a PIN. Balances are hidden until you reveal them, and the app keeps a clear history of every payment and payout.

Can I use Njangi in French?

Yes. Njangi is fully available in English and French.

Save together. Grow together.

Create your group in minutes and let Njangi handle contributions, turns and payouts.

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Get the Njangi app

Get it onGoogle Play