Ntchito yosunga ndi kubwerekana ndalama pagulu lakumudzi mnjira yokhazikika inayambika ndi bungwe la CARE ku Níger mchaka cha 1991 mndondomeko  yotchedwa MATAMASU DUBARA imene imatanthauza kuti azimayi ali paulendo wothana ndi umphawi. Mndondomeko imeneyi anthu amasankhana okha kukhala m’magulu malinga ndi kudziwana kwao komaso amayendera malamulo opanga okha. Ndondomeko iyi simadalira ndalama zochokera kumabungwe kapena mabanki. Ngongole zochokera mmagulu awo zimathandiza mamembala kuyambitsa ntchito za mabizinesi ang’onoang’ono ndipo phindu lochokera ku ntchitozo limawathandiza kugula zofuna zawo za tsiku ndi tsiku. Maguluwa amatchdwa ndi mayina osiyansiyana malinga ndi chisankho cha mabungwe amene akugwila ntchitoyi; koma pachiyambi panali ma Rotating Savings and Credit Associations (ROSCA) kapena kuti Chipeleganyu kenako nkuzakhala ma Village Savings and Loan Accounts (VSLA); ena amati Banki Mkhonde, ndipo World Vision poyamba inkatcha Savings Groups koma pano imatcha kuti Savings 4 Transformation (S4T) - kutanthauza kuti Kusunga komwe kumabweletsa kusintha pamoyo wamunthu.