Chama management, simplified
A chama management app without the spreadsheets
A chama is a group of people who save together, usually with a rotating payout. As membership grows, tracking by hand becomes the hardest part. NjangiMe keeps a running record of every contribution and every payout for the whole group.
Chama in Kenya and East Africa
Larger chamas benefit most from automation: due dates, reminders and cycle progress are calculated for you, and the admin dashboard highlights repeated late payments before they become a problem.
Also known as
- Merry-go-round
- Table banking group
- ROSCA
- Rotating savings
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
- Can NjangiMe handle a chama with 30+ members?
- Yes. Circles scale with your membership, and pricing adjusts per member above 30.
- Does it support loans or share capital?
- Not today. NjangiMe focuses on rotating contributions and payouts.
Same tradition, other names
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