NjangiA tontine rests on trust between its members, and on accounts everyone can follow. Njangi helps your group keep them: the turn order, meetings, contributions and payouts, in one place, on everyone's screen.
1. What Njangi is for
Njangi helps you organise and follow your tontine. The app does not collect, hold or transfer participants' funds: contributions and payouts are settled between you, the way your group has decided.
- The turn circle: who receives, at which meeting.
- Meetings: the expected contribution, the deadline, and who has reported or been confirmed.
- Payouts made, the social fund and member loans, if your group uses them (some features need Njangi Plus).
- The meeting minutes and reports, ready to share.
2. What members do
- Join the group with the link, QR code or code shared by the officers, then choose their name. The officers then confirm the phone.
- See what they owe, by when, and when their turn comes.
- Report a contribution they have paid, with proof if they wish (the text of a transfer receipt).
- Follow their contributions, the circle and the funds.
3. What the officers do
- The chair runs the group: members, turn order, rules (contribution, schedule, deadline, fines) and which features are on.
- The treasurer records contributions received, confirms members' reports and records payouts made.
- With the Association plan, other officer roles can be given rights (vice-chair, secretary, auditor…).
4. How information is recorded and confirmed
- Reported: a member states in the app that they have paid their contribution. Nothing is counted yet.
- Confirmed: the treasurer (or the chair) records it as received. Only then does it count in the group's accounts and show as paid.
- This confirmation is the officers': Njangi does not itself check that a payment took place. Keep your receipts; they remain your proof.
- Every confirmed member sees the same information, at the same time. Changes are made by the officers, according to each person's rights.
5. What Njangi does not handle
- Moving the money: Njangi receives, keeps and sends no funds, and starts no payment.
- The group's rules: contribution amounts, order, fines, interest and fees are decided by your group, under its responsibility. The app calculates and records what it has set.
- Disagreements between members: they are settled between you, under your rules.
- Guarantees: Njangi does not guarantee that contributions will be paid, payouts made or loans repaid.
- The legal framework of your tontine: it depends on your country and your group. Look into it, especially if your group lends money or charges interest.
6. Where to find the rules, pricing and help
- Your group's rules: in the app, on the Home screen (contribution, deadline) and, for the chair, in Manage.
- Pricing: free for a first Njangi, up to 12 members; beyond that, the Njangi Plus plans, paid through the group's subscription and separate from your tontine's contributions.
- Help and support: getnjangi.app/aide or contact@getnjangi.com.
- The texts: terms of use, privacy policy, legal notice.