"
Collection used to take me three evenings of phone calls. Now the reminders go out on their own and I only follow up on one or two people.
EA
Emmanuella Abongwa
House Admin · Buea
Built for Njangi groups, houses & cooperatives
Your Njangi, fully automated— from contribution to payout.
Njangi Estate runs your rotation, collects contributions, applies penalties and releases payouts on schedule. Every franc is logged, every turn is visible, and your house data sits behind bank-level security.
✓Transparent ledgerLedger
✓Digital agreementsAgreements
✓Mobile + PWAMobile + PWA
No spreadsheets. No chasing payments. No guesswork on whose turn it is.
njangiestate.online/houses/bamenda-traders
ACTIVE
Familly Njangi House
HOUSE WALLET
482,300 XAF
78% collected
9 of 12 paid · due 30 Sep
Members · Cycle 4
Ledger
AN
Paid
Achille Ngwa TURN 4
MT
Paid
Manka Tabi
BE
Pending
Bertrand Eyong
SF
Paid
Sandrine Fon
0%
Automated payout calculation
0/7
Group access from any device
0
Spreadsheets to maintain
0 tap
To see rotation status
Before
Notebook, group chat, and 40 unread messages
"Who has paid?" · "Is it my turn?" · screenshots of receipts
After
One house dashboard everyone can read
Live ledger · auto reminders · payout date already set
THE NJANGI JOURNEY
From "whose turn is it?" to fully automatic
The notebook and the group chat both stop being the source of truth. The house does — with the rotation order, the amounts and the dates agreed once, then enforced every cycle.
1
Create or join a House
Set the contribution, the cycle length and the rotation order. Members sign a digital agreement before the first collection.
2
Contribute
Pay from Njangi Pocket or mobile money. Every payment lands in the house ledger with a reference the treasurer can check.
3
Automatic rotation
When the cycle closes, the app moves to the next turn, applies late penalties and updates trust scores. No meeting required.
4
Payout
The recipient is paid on the agreed date, the receipt is filed, and the ring turns to the next member.
Turn
4
of 12
The rotation ring, always in view
Each segment is one member's turn. Green segments are complete, gold is the cycle being collected now, and the rest are scheduled. Members open the house and know exactly where they stand.
Completed turns
Collecting now
Scheduled
WHAT YOU GET
Three things a Njangi actually needs
Automated rotation & payouts
The order is fixed when the house is created. The app calculates each payout, closes the cycle and tells the next member their date.
Cycle 4 closed automatically
Transparent house ledger
Every contribution, penalty and payout is recorded with a timestamp and reference. Members see the same ledger the treasurer does.
Contribution · M. Tabi
Payout · A. Ngwa
Reminders, penalties & trust scores
Reminders go out before the deadline, late fees follow the house rules, and a member's history builds a trust score other houses can see.
89
Trust score · Manka Tabi
SECURITY & TRUST
Community savings deserve bank-level protection
A Njangi holds real money and real relationships. Njangi Estate treats both as sensitive: verified identities, protected wallets, and a record no one can quietly edit.
KYC verification for admins and members
ID checks before a house can collect money.
Wallet PIN on every payout
Money leaves the Njangi Pocket only with your PIN.
Immutable audit log
Every action is stamped, attributed and permanent.
Digital house agreements
Rules, penalties and rotation order signed by all members.
92
House trust
Familly Njangi House
42 cycles completed · 1 late payment in 12 months · all agreements signed.
Security checklist
Identity verified
✓ Complete
Wallet PIN set
✓ Complete
House agreement signed by 12/12
✓ Complete
Payout account confirmed
✓ Complete
MOBILE APP
Your Houses, in your pocket
Pay a contribution on the way to market, check who is outstanding before the meeting, and get a notification the moment a payout lands. Works as an installable PWA on low-data connections too.
Also available at app.njangiestate.com — no install needed.
9:41▮▮ ▮
Njangi Estate
My Houses
Familly NjangiDue 30 Sep
TTNet HOMEPaid
Njangi Pocket
61,500 FCFA
Treasurers stopped keeping the notebook
"
The ledger settled every argument. When a member asks what happened in Cycle 2, I send them the record instead of explaining.
PB
Prince Bechem
Treasurer · Bamenda
"
I joined a house with people I had not met before. Seeing their trust scores and the signed agreement was what convinced me.
SF
Sandrine Fon
Member · Douala
Questions treasurers ask
Still unsure? Read the Njangi Guides or write to our support team.
Contributions sit in the house wallet with a licensed payment partner until the payout date. Njangi Estate records and releases them according to the agreement your house signed; it never takes custody of the funds itself.
Reminders escalate before the deadline. After it passes, the penalty your house agreed on is applied automatically, the admin is notified, and the member's trust score drops until they settle.
Yes. When you create the house you set the order, the amount and the cycle length, and you can import a house that is already halfway through by marking completed turns.
MTN Mobile Money and Orange Money, plus bank transfer and the in-app Njangi Pocket balance. Members can enable auto-pay so contributions are taken from the Pocket when the balance covers them.
Creating a house and inviting members is free. A small transaction fee applies to contributions and withdrawals, shown before you confirm any payment.
Ready to bring your Njangi into the digital age?
Set up your first house in a few minutes. Invite your members, agree the rules once, and let the rotation run.