Njangi is a local institution made up of members who pool resources together in a rotation for the equal benefit of every member. Community-Based Rotating Savings and Credit Associations (ROSCAs) represent the common human desire for mutual support and financial cooperation. It is an age-old African system of money management that is used to this day. A community-based system that has supported families through tough times, stretched meager incomes allowing parents to educate their children; giving others great opportunities to develop their lives without the total dependence on any banks or major financial systems. Known in diferent parts of the world by one of the different names below: Njangi,Pari,Sou-sou,Iqub,Family-Lottery,Tontine,Hui,Kibata,Ajoh,Cadena,Kikoba,Adaji,Idir,Tanda,Stokvel,Arisan,Cundina,Hagbad,Chama,Samity,Round,Sittu,Danawa,ChitFunds,Mujin,Keyes, Paluwagan,Pandero