Susu, Tontine, Njangi: Africa's Rotating Savings Names
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Start your Njangi free →The same rotating savings idea appears across Africa and the diaspora under many names. All are variations of a ROSCA (Rotating Savings and Credit Association).
A reference of names
| Name | Where it's used |
|---|---|
| Njangi | Anglophone Cameroon |
| Tontine | Francophone Cameroon, West & Central Africa |
| Susu / Esusu | Ghana, Nigeria, West Africa, Caribbean |
| Ekub | Ethiopia, Eritrea |
| Stokvel | South Africa |
| Chama | Kenya |
| Chilemba / Upato | East & Southern Africa |
What they share
- Fixed contributions from a trusted group.
- Rotating (or pooled-then-shared) payouts.
- Trust and community as the foundation — no bank required.
One idea, many communities
Whatever you call it, the mechanics are the same — and the challenges (records, trust, late payers) are universal. A digital njangi solves them for any of these traditions.
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