The Njangi On-Chain Blog
Insights, stories, and education about the future of community finance—from traditional savings circles, and what changes when the record is shared.
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Latest Post
Diaspora10 min read
Sending Money Home Isn't the Same as Belonging
The World Bank puts the average cost of sending $200 to Sub-Saharan Africa at 7.9%. A savings circle does not change that number. What it changes is whether the person sending is a member or only a source of funds.
More Articles
How Regulators Treat Community Savings Circles
A country-by-country look at how rotating savings groups are regulated, and what it means for a circle that spans borders.
ReadSocial Impact9 min readWomen-Led Savings Circles: Who Actually Runs the Money
Across njangis, chamas, stokvels and tontines, the person holding the money is very often a woman. What that role involves, what it costs her, and what a shared record changes.
ReadTechnology8 min readTraditional Savings Circles vs. On-Chain: What Actually Changes
A side-by-side on how a njangi, tontine or susu works traditionally, what changes when the record is shared, and what deliberately does not.
ReadNew to savings circles?
Start with our comprehensive educational resources to understand the fundamentals.
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