Pamoja
Community Finance & Groups
One app for your njangi, club, or association.
Pamoja replaces the lost WhatsApp threads, the paper books, and the trust gaps that community groups run on. Every group gets its own app, in its own name: members pay and send proof, every coin is accounted for, the collection order is drawn in an open draw everyone can watch, and each group has its own assistant named after its real leader. Set up in seconds, on any phone, in your language.
Visit getpamoja.comSee it in action
Not a slideshow. A real, end-to-end walkthrough of Pamoja recorded live on the production system, following a real journey through every role and workflow, narrated start to finish. Use the language toggle to switch the narration.
The problem
Savings circles and community groups run on WhatsApp threads, paper books, and one trusted person's memory. Contributions get disputed, people argue over who collects next, proof of payment is screenshots scattered across chats, and nobody has one trusted record of who paid and who got paid.
How it works
Start a group in seconds
Pick the kind of group - savings circle, sports club, alumni, association, or welfare fund - invite members with a private code, and the app carries the group's own name, logo, and icon.
Money everyone can trust
Members pay, send their proof, and the person collecting confirms they received it. Every coin is accounted for, so the old "did you pay?" arguments simply go away.
Draw who collects, in the open
For a njangi, the order is decided by a live draw the whole group watches - so no one can claim it was fixed. Anyone late to pay is charged the fine automatically, and everyone sees it.
Everything in one place
Group chat that replaces WhatsApp, an assistant that answers members, meeting and ride planning, decisions everyone signs, and a clean printable report at the end of each round.
What it does
- Runs any group: njangi, sports club, alumni, association, or welfare fund
- Every coin accounted for, down to the last one
- An open, live draw decides who collects and when - no arguments
- Members pay and send proof; the person collecting confirms it
- Late payers are charged automatically, where everyone can see
- Each group gets its own assistant, group chat, and end-of-round reports
- Works on any phone, in your language, and installs like an app
Who it is for
Savings circles (njangi, susu, chama), sports and veterans clubs, alumni and cultural associations, and welfare funds - any group that pools money or organizes people and is tired of doing it in WhatsApp.
See Pamoja for yourself
Visit the live platform, or talk to us about a pilot.