Isusu, digitised
An isusu app for trusted groups
Isusu is one of the oldest forms of community saving in Ghana and among Ghanaians abroad. Members contribute the same amount on an agreed schedule and take turns collecting the pooled amount. NjangiMe keeps that tradition intact and simply removes the paperwork.
Isusu in Ghana and the diaspora
Many isusu groups still run on a notebook or a WhatsApp thread, which is where disputes start. NjangiMe gives every member the same view of who has paid, who is next to collect and what remains in the cycle — so trust is backed by a clear record.
Also known as
- Esusu
- Ajo
- ROSCA
- Savings circle
- 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
- Does NjangiMe hold our isusu money?
- No. NjangiMe never holds members' funds. Contributions move directly between members and the group's own account; NjangiMe records and tracks them.
- Can members see each other's contributions?
- Yes. Every member of the circle sees the same contribution history, due dates and payout order.
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