Njangi Rules & Agreement Template

The single best thing you can do for a njangi is write down the rules before the first contribution. Here is a template you can copy and adapt.

Njangi agreement template

1. Name & purpose — the group name and what it's for.

2. Members — full list of members and contacts.

3. Contribution — amount, currency, and due date each cycle.

4. Frequency — weekly / bi-weekly / monthly.

5. Rotation order — the agreed payout sequence (attach the table).

6. Payment method — cash, or Mobile Money (MTN/Orange).

7. Late payment — grace period and penalty amount.

8. Missed payments — what happens after repeated defaults.

9. Leaving/joining — rules for members who exit or join mid-cycle.

10. Disputes — how disagreements are resolved.

11. Signatures — every member signs and dates.

Make it stick

Rules only work if they're visible and applied equally. A digital njangi encodes these rules — amount, schedule, penalties, rotation — so they run automatically instead of depending on memory.