MyNjanGi
Together we build wealth

Your Njangi.
Better organized.

Manage members, contributions, payment cycles and payouts in one simple place.

Less confusion. Better records. A clearer view for everyone.

Start a Njangi See How It Works
MEMBERSCONTRIBUTIONSPAYMENTSPAYOUTSPENALTIESHISTORY
What is a Njangi?

Saving together.
Made simpler.

Njangi, also known in different communities as Tontine or rotating group savings, brings people together to contribute regularly toward shared financial goals. Each round, every member contributes and one member collects.

MyNjanGi helps organize the records behind the group.

Features

Your group.
One clear view.

Everything the group needs to know, recorded in one place and shared with every member.

Members

Keep your group members and their information organized.

Name, WhatsApp number, role, collection order, active or sitting out.

Contributions

Track expected and completed contributions.

Paid, paid late, partial or unpaid, with the date and who received it.

Payment cycles

Follow each contribution round and know where the group stands.

Rounds are upcoming, active or completed. Only one is active at a time.

Payouts

Keep a clear record of who receives the payout and when.

A ballot sets the collection order. Rounds can have more than one collector.

Penalties

Record applicable penalties according to the group's rules.

Your group sets the late-payment penalty. Payments are tracked separately.

History

Keep previous cycles and transactions organized for reference.

Closing a session archives every round and contribution to History.
Group treasury PDF reports WhatsApp reminders 4 languages
How it works

From group setup
to payout.

1

CREATE YOUR GROUP

Set up the Njangi and its basic rules.

Name, currency, meeting frequency
2

ADD MEMBERS

Add the people participating in the group.

Each member gets their own PIN
3

SET THE CONTRIBUTION

Define the contribution amount and cycle.

Run the ballot for collection order
4

TRACK PAYMENTS

See who has contributed and what remains outstanding.

Paid · Late · Partial · Unpaid
5

MANAGE THE PAYOUT

Keep the payout cycle and recipient clearly recorded.

Close the round, share the recap
6

CONTINUE THE CYCLE

Move into the next round while maintaining the group's history.

Next round opens automatically
Contribution tracking

Know who
has paid.

No more trying to remember who paid, checking scattered messages or rebuilding records at the end of the month.

  • MyNjanGi keeps the contribution status organized in one place.
  • Each payment records the member, the round, the amount, the date and which collector received it.
  • Partial payments show what is still outstanding.
PAIDPAID LATEPARTIALUNPAID
Round 7 contributionsUnity Njangi · meeting of 05 Oct
6 / 8fully paid
MemberAmountDateStatus
MNMarie N.50 00005 OctPAID
PEPaul E.50 00005 OctPAID
AMAline M.50 00004 OctPAID
SKSamuel K.50 00007 OctPAID LATE
JAJoseph A.25 00005 OctPARTIAL
EBEric B.——UNPAID
Collected 325 000Expected 400 000Outstanding 75 000 FCFA
Payout management

From contribution
to payout.

Every round keeps a clear record of what was expected, what came in and who collects.

  • Current round, expected and completed contributions
  • The collector (payout recipient) and the payout amount
  • Round status: upcoming, active or completed
  • Previous rounds, kept for reference

MyNjanGi records the group's agreement. It does not guarantee payments or group obligations.

Round 7ACTIVE
BT
COLLECTORBrenda T.
400 000 FCFA
Expected400 000
Collected325 000
Outstanding75 000
Penalty management

Your group rules.
Clearly recorded.

Every group has its own rules for late or missed contributions. MyNjanGi keeps any penalty recorded alongside the member and the round.

  • Your group decides the penalty amount. It is set once in your group settings.
  • The penalty is kept separate from the round contribution, so totals stay correct.
  • Owed and paid penalties are tracked, and paid penalties go to the group treasury.
Penalties · Round 7Group rule: 2 000 FCFA for late payment
MemberContributionStatusPenaltyTotal due
SKSamuel K.50 000PAID LATE2 00052 000
JAJoseph A.50 000PARTIAL—25 000
MNMarie N.50 000PAID—0
The group sets the rules. MyNjanGi only records what the group has agreed.
Transparency

Less confusion.
Clearer records.

Group savings depend on everyone understanding where the group stands. MyNjanGi brings members, contributions, payouts and history together so the group's records are easier to follow.

01

KNOW WHAT IS EXPECTED

The contribution amount, the current round and who collects.

02

KNOW WHAT HAS BEEN PAID

Every payment and its status, round by round.

03

KNOW WHAT COMES NEXT

The next meeting, the next round and the collection order.

For leaders and members

Built for the way
groups save together.

👑 FOR GROUP LEADERS

Less admin.
More clarity.

Keep your members, contributions, payment status and payout cycles organized without relying on notebooks, spreadsheets and scattered messages.

  • Members in one placeRoles, contact numbers and collection order.
  • Contributions at a glanceSee the round total and what is outstanding.
  • Clear payment statusPaid, paid late, partial or unpaid.
  • Organized payout cyclesBallot, rounds and collectors set up in minutes.
  • Accessible historyPast sessions archived, plus PDF reports for meetings.
👤 FOR MEMBERS

Know where
you stand.

Members join the group from their own phone with the group's access code and their personal PIN. They get a read-only view of the group's records.

  • Your contributions and their status
  • The current round and the amount due
  • The collection order and who has already collected
  • The group treasury and history
482‑915Example of a 6-digit group access code, shared by the leader.
Reminders and payments

Works with how your
group already communicates.

WhatsApp reminders

AVAILABLE

One tap opens WhatsApp with a personalised reminder ready to send. When a round closes, MyNjanGi prepares a thank-you message listing each contributor. Messages follow the app language: English, French, Spanish or Portuguese.

Hello Eric, a friendly reminder that your contribution of 50 000 FCFA for Round 7 of Unity Njangi is due. Together we build wealth. 🤝Example message

You review and send each message yourself from WhatsApp. MyNjanGi is not affiliated with WhatsApp or Meta.

Payment recording

HOW IT WORKS

MyNjanGi does not collect, hold or move money. Members pay the way your group already does, and the leader records each payment in the app.

Cash at the meetingMobile MoneyBank transferAny agreed method

Payment confirmation is recorded manually. MyNjanGi is not connected to MTN Mobile Money, Orange Money or any other payment provider.

For every kind of group

Made for real groups.

Whether your group meets every week, every month or on its own schedule.

Family savings groups
Friends
Community groups
Professional groups
Small associations
Informal savings circles
44 currenciesFrom FCFA, Naira and Cedi to Shilling, Rand, Dollar and Euro.
4 languagesEnglish, Français, Español and Português, including reminder messages.
Any rhythmWeekly, every two weeks, monthly or flexible meetings.
Inside the app

Every tab has one job.

A look at the main sections of MyNjanGi.

Unity NjangiHOME
SYNCED
CURRENT ROUND · 7 OF 8
325 000/ 400 000
Collector: Brenda T.
ACTIVE MEMBERS
8
ROUNDS DONE
6
TOTAL COLLECTED
2.7M
TREASURY
186 000
LATE PAYMENTS
3
PENALTIES OWED
2 000
🏠👥🔄💰📊🗂️📣🏦
HomeGroup overview
Members8 ACTIVE
COLLECTION ORDER
1
Paul E.Group Leader
COLLECTED
2
Marie N.Treasurer
COLLECTED
6
Aline M.Member
COLLECTED
7
Brenda T.Member
THIS ROUND
8
Eric B.Member
NOT YET
🎲 RUN BALLOT
🏠👥🔄💰📊🗂️📣🏦
MembersRoles and collection order
Rounds2026 SESSION
7
Brenda T.05 Oct · 50 000 each
ACTIVE
8
Eric B.05 Nov · 50 000 each
UPCOMING
6
Aline M.05 Sep · 400 000
COMPLETED
5
Grace F.05 Aug · 400 000
COMPLETED
4
Samuel K.05 Jul · 400 000
COMPLETED
✅ CLOSE ROUND
🏠👥🔄💰📊🗂️📣🏦
RoundsCycles and payouts
ContributionsROUND 7
COLLECTED
325 000
OUTSTANDING
75 000
PAYMENT STATUS
MN
Marie N.50 000 · 05 Oct
PAID
SK
Samuel K.50 000 · +2 000 penalty
LATE
JA
Joseph A.25 000 of 50 000
PARTIAL
EB
Eric B.Not yet paid
UNPAID
🏠👥🔄💰📊🗂️📣🏦
ContributionsPayment status and penalties
RemindersROUND 7
2 MEMBERS TO REMIND
EB
Eric B.50 000 due
UNPAID
JA
Joseph A.25 000 remaining
PARTIAL
MESSAGE PREVIEW
Hello Eric, a friendly reminder that your contribution of 50 000 FCFA for Round 7 is due. Together we build wealth. 🤝
SEND VIA WHATSAPP
🏠👥🔄💰📊🗂️📣🏦
RemindersOne-tap WhatsApp messages
Reports2026 SESSION
MONTHLY COLLECTIONS
MEMBER RELIABILITY
MN
Marie N.7 of 7 on time
100%
SK
Samuel K.5 of 7 on time
71%
📄 DOWNLOAD PDF REPORT
🏠👥🔄💰📊🗂️📣🏦
ReportsFor meetings and records
HistoryARCHIVED SESSIONS
📁
2025 Session12 rounds · 12 members
4.8M
📁
2024 Session10 rounds · 10 members
3.0M
📁
2023 Session10 rounds · 10 members
2.5M
ALL TRANSACTIONS
MN
Marie N. · Round 705 Oct
50 000
SK
Samuel K. · Penalty07 Oct
2 000
🏠👥🔄💰📊🗂️📣🏦
HistoryPast sessions, kept safe

Illustrations with sample names and figures. Your group sees its own data.

Privacy and trust

Your group.
Your records.

MyNjanGi is a record-keeping tool for your group. It is not a bank or a financial institution, and it does not hold your group's money.

Privacy Policy Terms of Service Contact Help / Support

Your own group space

Each group is activated with its own key, and members join only with the access code the leader shares.

PIN for every person

The leader and each member sign in with their own PIN. The app can be locked with one tap.

Clear roles

Leaders manage the records. Members have a read-only view, so the records stay consistent.

Synced across devices

Records are stored in the cloud, so the leader and members see the same information on any phone.

FAQ

Questions, answered

What is MyNjanGi?

MyNjanGi is a digital tool for organizing and managing group savings, including members, contributions, payment cycles, payouts and group records.

Is MyNjanGi a bank?

No. MyNjanGi is a group savings management application. It is not a bank, a financial institution or an investment platform.

Does MyNjanGi hold our money?

No. MyNjanGi never receives, holds or transfers your group's money. Members pay the way your group already does, such as cash at the meeting or Mobile Money, and the payment is recorded in the app.

Can I create my own Njangi group?

Yes. A group leader registers the group, receives an activation key and then sets up the group's name, currency, contribution amount, meeting frequency and penalty rule. A free trial is available.

Can I track who has paid?

Yes. Each contribution is recorded as paid, paid late, partial or unpaid, with the amount, date and the collector who received it.

Can we manage penalties?

Yes. The group sets its late-payment penalty in the settings, and penalties are recorded against the member and round according to the group's own rules.

Can members see the records?

Yes. Members join with the group's 6-digit access code and their own PIN, and get a read-only view of contributions, rounds, the treasury and history.

Does it send WhatsApp reminders?

MyNjanGi prepares personalised reminder messages and opens WhatsApp so you can send them with one tap. You stay in control of what is sent.

Your Njangi.
One clear place.

Members · Contributions · Payments · Payouts

Keep your group organized with MyNjanGi.

Create Your Group Open MyNjanGi
Opens in your browser. Add it to your home screen for one-tap access.