Njangi Security: Keeping the Money Safe

The money is the whole point of a njangi — so keeping it safe is job number one. The biggest risks come from how the money is held.

Where cash goes wrong

• One person keeps the pot at home (theft, fire, loss).
• Funds get "borrowed" informally and not returned.
• No record of the balance, so shortfalls go unnoticed.

Safer practices

• Minimise cash — use Mobile Money so funds are never in a drawer.
• Separate roles — the person collecting shouldn't be the only one recording.
• Transparent balance — everyone can see the running total.
• Immediate payouts — money shouldn't sit idle waiting.

Security by design

A digital njangi means no single person holds the group's cash, every movement is recorded permanently, and members see the balance in real time — closing the doors that theft and "borrowing" walk through.