📘 Njangi Program Performance Summary (2022–2026)

1. Executive Overview

Since its launch in 2022, the Njangi program has demonstrated structured expansion in capital circulation despite gradual reductions in contributing membership. Growth has been driven primarily by increased benefiting slot allocations per member, resulting in significant year-over-year increases in total capital circulation. 

Our Njangi is uniquely structured to allow family members to benefit twice each year. The first cycle runs from January to June, and the second from July to December. This deliberate design accommodates the continued growth in participation while ensuring that more family members can access the rotating contribution benefits within the same year. As family participation increases, the number of Njangi slots expands gradually to accommodate more members while maintaining a structured rotation system. Each cycle ensures that every participant receives their turn within the six-month period, allowing the scheme to grow while preserving fairness, discipline, and financial stability.

2.  Annual Njangi Performance Summary

Year	Members	Slots/Month	Monthly Circulation (FCFA)	Annual Circulation (FCFA)
2022	34	6	720,000	8,640,000
2023	28	7	840,000	10,080,000
2024	26	22	2,640,000	31,680,000
2025	22	34	4,080,000	48,960,000
2026	21	64	7,680,000	92,160,000

• Analytical Insights

• Membership reduced from 34 members (2022) to 21 members projected (2026), representing a 38% decline.
  • Annual circulation increased from 8.64 million FCFA (2022) to an estimated 92.16 million FCFA (2026).
  • Total annual capital circulation growth between 2022 and 2026 exceeds 966%.
  • Growth was driven by expansion of benefiting slots per month (from 6 to 64).
  • The model demonstrates scalability through slot multiplication rather than member expansion.

4.  Structural Observation

The Njangi structure has evolved into a slot-driven capital expansion model. While membership has moderately declined, circulation capacity has scaled significantly. Maintaining transparency, contribution discipline, and risk oversight will be critical as circulation volumes increase.