Ajo and esusu, organised
An ajo and esusu app for your circle
Ajo and esusu describe the same trusted practice across Nigeria: a group agrees an amount and a schedule, everyone contributes, and each round one member collects the pot. NjangiMe handles the tracking so the group can focus on the commitment.
Ajo and Esusu in Nigeria and the diaspora
Ajo groups often stretch across cities and countries, which makes a shared record essential. NjangiMe tracks contributions in your chosen currency, flags late payments early and keeps the collection order visible to everyone.
Also known as
- Adashi
- Isusu
- ROSCA
- Rotating savings
- Savings circle
How it works on NjangiMe
Invite your members
Circles are invite-only. Admins invite by email and track who has joined.
Agree the schedule
Set the contribution amount, currency, frequency and picking order once.
Take turns collecting
Each round one member receives the pooled amount until everyone has picked.
Built for group trust
Reminders before every due date
Members are notified ahead of each contribution, and late payments raise an alert.
One shared record
Every member sees the same contribution history, balances and payout order.
Never holds your money
NjangiMe tracks and coordinates. Funds move directly between members and the group's own account.
Common questions
- How is the collection order decided?
- The group admin sets the picking order when the circle is created and can adjust it during the cycle if members agree.
- What happens if someone pays late?
- The contribution is marked late and both the member and the admin are alerted, so it can be resolved before it affects the next payout.
Bring clarity to your circle
NjangiMe helps invite-only groups track contributions, due dates and picking order in one place. It provides coordination and visibility; it is not a bank and does not hold members' money.
Create your NjangiMe circle