Njangis and Tontines
Rotation groups where members take turns receiving the pot. Circle Ledger tracks the rotation order, records who confirmed receipt, and makes the full payment history visible to the group. No more disputes at rotation time.
Built for savings groups across Cameroon & Africa
Stop settling njangi
disputes from memory.
Circle Ledger records every contribution. Admin approval is required before any payment counts. Every member sees the same records. Nobody has to take anyone's word for it.
Built for njangis, tontines, savings houses, church groups, welfare funds, staff associations, family meetings, and school savings clubs.
The problem your group already knows
Every njangi secretary has faced at least one of these
The notebook has been the backbone of savings groups for generations. But notebooks tear, get wet, sit in one house, and depend entirely on one person being available and careful. When something goes wrong, the whole group feels it.
"I sent the money. Nobody recorded it."
A member pays through MTN Mobile Money on a Tuesday evening. The secretary is at work and records it later — except they forget. Three weeks later, the accounts do not balance. Nobody is lying. But the argument has already started.
"The secretary is not picking up."
A member wants to know if they are up to date before the next meeting. They call the secretary. The secretary is busy, travelling, or the phone is off. The member arrives at the meeting not knowing where they stand.
"I only received XAF 200K, not 275K."
It is rotation time. The recipient says they received less than what the record shows. The admin remembers differently. There is no third source of truth. The meeting becomes about the dispute, not the group.
What Circle Ledger does
Six things your group's secretary will notice in the first week
Circle Ledger does not try to replace how your group works. It gives your existing system a permanent, shared record that every member can see and verify. That is the only change. Everything else follows from it.
Payment approval before it counts
A member submits a payment. The admin reviews and approves it. Only then is it recorded as confirmed. Both sides agree. The timestamp is permanent. No disputed claim can overwrite it.
Every member sees their own history
Any member can log in and see exactly what they have paid, what has been approved, and what is still pending — for every group and every event they belong to. No call to the secretary needed.
Rotation tracking with confirmation
The admin records the rotation disbursement and marks the recipient. The recipient confirms the amount in the app. Once confirmed, the record is locked. No future dispute about who received what or when.
Live group balance visible to all
Every approved payment updates the group balance immediately. Every fund disbursement reduces it. The admin, the secretary, and every member see the same number at all times. No confusion.
Fund usage log with purpose
Every time the group disburses funds — a bereavement payment, a medical contribution, an operational expense — the admin logs it with the purpose and amount. The full history is there for any member to review.
Secretary changes, records stay
When the secretary changes at the end of the year, they do not hand over a notebook. They hand over admin access. Every payment, every rotation, every disbursement is still there. Nothing depends on one person's phone or handwriting.
Simple by design
Your group is running in three steps
Create your group and add members by phone
Create a group, give it a name, and add your members using their phone numbers. Members who already have an account are linked immediately. Those who do not are held as pending until they sign up.
Open a contribution event
Create an event for the current round — fixed amount, flexible, or rotation. Members submit their payments directly in the app. The admin reviews each one before it is counted.
Approve, track, and log every movement
Approve or reject each payment with a reason. Log every disbursement with a purpose. The group balance updates in real time. Every member can see the same record. Nothing is hidden.
Who runs their groups on Circle Ledger
Every kind of savings group in Cameroon
Church Welfare Groups
Your congregation pools funds to support members during illness, bereavement, or hardship. Circle Ledger keeps every contribution on record so the treasurer can present a full account to the congregation at any time.
Staff Welfare Associations
Hospital staff, teachers, civil servants, and bank employees who pool monthly dues to support colleagues. The secretary changes every year. Circle Ledger means the records never change hands — they stay with the group.
Family Meeting Contributions
Extended families saving together for land, school fees, a family event, or a shared investment. Flexible amounts so every family gives what they can, and every family can see what has been collected and spent.
Quarter Development Groups
Neighbourhood associations and quarter development unions collecting levies for community infrastructure — roads, boreholes, community halls. Every levy collected, every expense justified, every member informed.
School and Alumni Savings Clubs
Student savings groups and alumni circles that pool together for mutual support. Circle Ledger gives these groups a record that survives class changes, graduation, and the passing of responsibility from one committee to the next.
Your group's secretary is carrying too much alone. Circle Ledger takes the weight off.
Sign up for a free account.