Compared with microfinance institutions (MFIs), informal endogenous financing by Village Savings and Credit Associations (VSCAs) remains the most accessible and appropriate means of meeting the needs of Pro-ARIDES targets. The AVECs are initiated and set up by the target groups with the support of the interveners. However, the difficulties of survival of the AVECs at the end of the programs remain a challenge due to the poor implementation of an exit strategy by the interveners. With growing insecurity in the intervention zone, adaptive mechanisms for collecting savings and granting credit are needed. It is therefore necessary to set up networks of local supervisors to ensure the sustainability of AVECs, and to turn to Fintech (mobile banking) to collect funds.
