Why You Need a Written Njangi Agreement

Many njangis start on trust and a handshake — and many end in painful arguments. A written agreement is cheap insurance against all of them.

What a written agreement prevents

• Disputes over the contribution amount or schedule.
• Confusion about the rotation order.
• Arguments over penalties and late payments.
• Conflict when a member leaves or a new one joins.

What to include

Contribution amount, frequency, rotation order, penalties, rules for leaving/joining, and how disputes are resolved — signed and dated by every member.

From paper to automatic

A written agreement states the rules; a digital njangi enforces them. Encode the amount, schedule, penalties, and rotation once, and the system applies them consistently — so the agreement isn't just filed away, it's live.