Savings and Withdrawal Policy

Annual Njangis are a full-year commitment. There are no withdrawals during the saving year.
All members receive their savings together, once a year, during the community window from 25 December to 5 January. We announce the window and the payout steps in advance.
What you receive: your total savings, minus late fees for any missed days you never paid.
How you are paid: to the mobile money number on your account, unless we agree another way with you. Please keep your number up to date.
Group purchases: if members decide together to put savings towards an asset, we explain the plan, each member's share and the risks before anything is bought. Only members who agree take part.
If you stop saving or leave: the savings you have already made stay yours and are paid in the next community window.
If a member dies: their savings are paid to their next of kin in the next community window, or earlier, once we receive proof.
Fees and late fees already paid are not refunded.