The Njangi Trust Score: What It Means

In a traditional njangi, trust is a gut feeling. A trust score makes it visible — turning a member's real behaviour into a simple, fair signal.

What a trust score measures

• On-time payments — the strongest signal of reliability.
• Consistency — a long history beats a short one.
• Completed cycles — members who finish what they start.
• Penalty history — repeated lateness lowers the score.

Why it helps your group

• Organizers can invite new members with more confidence.
• Reliable members are recognised and rewarded.
• Risky behaviour is visible early, before it hurts everyone.

Trust you can see

Njangi Estate builds a trust score from each member's actual contribution history — so instead of guessing whether someone is reliable, your group can see it. Reputation becomes an asset members want to protect.