Such an interesting project. In Nigeria here where it is usually difficult to qualify for bank loans, Njangi is the most popular way to raise capital among business people. We do not have a local name for it, but it is loosely called "meeting." It's especially done among trusted groups such as trade or market associations, friends group or other mutual group of people. The single fundamental element of it is trust, and that is why it is usually done within close circles. Kudos with the project. Hope it works out well here. @thegreens.