NjangiBook
Njangi · Tontine · Rotating savings

Our njangi, our rules, zero disputes.

Your njangi book, gone digital: sign-ups and signed rules, the draw, contributions paid on time, fines, attendance, minutes and life events. Everything is clear for everyone, and the WhatsApp group stays calm.

Create my njangi for freeSee how it works
Data hosted in the EU Your money never goes through the app Nothing to install
€0Free while we launchNo card details needed
0 minTo sign up and signOn your phone, nothing to install
0 %Of decisions on recordWho paid, when, and who approved
EUData hosted in EuropeGDPR compliant, never sold

Everything a njangi actually needs

Click a feature to see the screen.

Order drawn
  1. 1HélèneNovember 2026
  2. 2PaulDecember 2026
  3. 3Aïcha & JeanJanuary 2027
  4. 4MarieFebruary 2027
  5. 5SamuelMarch 2027

How it works

The treasurer creates the njangi

Number of places, contribution, meeting day, fines, life events. The rules write themselves.

Members sign up

One link in the WhatsApp group: each member adds their details (and ID if required), then reads and signs the rules.

The draw and the agreement

The treasurer approves the members and runs the draw; the president approves the agreement, which is published to everyone.

Every month, no arguments

Contributions, fines, attendance and minutes in one place, visible to everyone.

  • Checks IDs if the njangi asks for them
  • Approves and publishes the agreement signed by everyone
  • Approves loans from the fund
  • Settles disagreements with a clear history: no more arguments

Try out your njangi

Each recipient gets€11,00011 × €1,000 (no contribution in their own month)
For hosting the meeting€110hosting contributions from the other members
A late payment costs€202 % of the amount due
Njangi length12 monthsone place = one month, drawn at random

Ready for your first meeting?

Create your njangi in two minutes, then share the invitation link in the group.

Create my njangi

Trust and security

Private links and PINs

Each member has their own personal link; the treasurer and the secretary have a PIN, which locks after 5 wrong attempts.

GDPR compliant

Data stored in Europe, only what's needed, IDs encrypted and then deleted, and the right to have your data erased.

Every change on record

Who changed what, and when: if there's a disagreement, the answer is in the njangi book.

Clear roles

Treasurer, president, secretary, censor: each one sees and does what the rules say.

Frequently asked questions

What is a njangi?

A njangi, or tontine, is a rotating savings group (ROSCA): at each meeting every member pays the same contribution, and members take turns receiving the whole pot. It is also called likelemba, susu or esusu. NjangiBook keeps its book: members, rules, order of turns, contributions and fines.

Who is NjangiBook for?

For njangi and tontine groups of families, friends, associations or colleagues, in Cameroon, across Africa and in the diaspora, in Italy and elsewhere in Europe. The treasurer creates the njangi; the president, the secretary, the censor and every member have their own access.

Does NjangiBook hold our money?

No, never. Members keep paying in cash or by bank transfer, as they always have. NjangiBook just records who paid what, and when.

Do members have to install an app?

No. Everyone gets a personal link on WhatsApp. They can add it to their phone's home screen, just like an app.

What happens if someone pays late?

The treasurer records the date the money came in. If it's after the deadline, the fine set in the rules is calculated automatically (fixed amount or percentage).

How does the draw work?

Once every place is ready, the draw sets the order of the months. It runs live on a wheel that every member watches from their own link, or instantly; it is certified, recorded with the date and time. A njangi can also keep the traditional draw by hand and record the result afterwards.

Can two people share a place?

Yes: each pays half, and they receive the njangi together in the same month.

Is ID required?

Each njangi decides. If it is required, it's encrypted, visible only to the treasurer and the president, and deleted at the end.

Which languages and currencies?

The site is available in French, English and Italian. Each njangi chooses its own language (rules, emails) and currency: euro, CFA franc, dollar, pound or Swiss franc.

How much does it cost?

NjangiBook is free while we launch.

Three steps and you're off

Your njangi deserves a clear book.

  1. Create your njangiTwo minutes: rules, contribution, number of places.
  2. Share a single linkIn the WhatsApp group: everyone signs up and signs the rules.
  3. Run the draw liveEveryone watches, nobody argues.
Create my njangiSee how it works

Data hosted in the EU · No ads · Money never goes through the app