Le Caisses Villageoises D'Epargne Et De Credit Autogerees in the Dogon Region of Mali: Elements of Impact
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Date
1997-10
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Publisher
Ohio State University. Department of Agricultural, Environmental, and Development Economics
Abstract
Created in 1986 by Centre International de Developpement et de Recherche (CIDR), a French NGO and with the financial support of KFW, the German International Cooperation Agency, the Caisses Villageoises d'Epargne et de Credit Autogerees (CVECAs) in the Dogon region offer today, financial services to 21,950 members spread in 52 CVECAs in as many villages. After eleven years of existence, and more than FCF A 900 million in mobilized savings and FCF A 1.492 billion in loans (Chao-Beroff, 1996), the CVECA project is being replaced in July 1997 by a Malian structure, the service commun and three associations that are in charge of providing technical support to the CVECAs. It is amidst this background that CIDR and KFW asked for an impact study of the CVECAs at the individual, household, village, and regional levels. This impact study comprises two components that are reported in two different volumes: a quantitative assessment of the impact was performed by a team from the rural finance program at the Ohio State University (OSU) and reported in the present Volume I, while the sociological impact of the CVECA program was carried out by "Anthropologie et Developpement" a French organization based Montpellier, France. The economic impact study adopted two complementary approaches. The first looked at the impact from the supply side, i.e., the institutional point of view, while the second viewed impact from the demand side, i.e., the CVECA impact on individuals, villages and the region. The sociological impact of the CVECAs also had two objectives. First, it examined the CVECA program's impact on the organization and evolution of socio-economic activities of village groups. Second, it determined the socio-economic impact of the CVECA on its members. That included the analysis of members perception of changes in their social and economic situations, as well as changes in the roles they play in their families.