Ntchitu yakusunga ndi kubwerekasana makopala pagulu lakumuzi yachikhazi ikwambika ndi bungwi la CARE la mucharu cha Níger muchaka cha 1991 mundondomeko  yoyiziwika kuti MATAMASU DUBARA kung’anamuwa kuti anyinafwi we paulendu waku mala usauchi pamwenga ukavu. Mundondomeku iyi wanthu wasankha wija kupanga magulu malinga ndi kuziwana kwawu kweniso atende malangu ngo wapanga wija. Ndondomeku iyi igomezga makopala kutuliya ku ma bungwi ndi ma banki cha.  Ngongoli zituliya mumagulu ngawu kung’anamuwa kuti mamembala ngatambisa ntchitu za mabizinesi ngamanangamana ndipu phindu lakutuliya ku ntchitu zenizi litiwawovya kugula vowakhumba zuwa ndi zuwa. Magulu anga  ngaziwika  ndi mazina ngakupambanapambana malinga ndi khumbiru  la mabungwi; pakwamba penga ma Rotating Savings and Credit Associations (ROSCA) kung’anamuwa kuti kusonkhe munthu ndalama pamwezi umoza, mwezi unyaki kuzipasa munyaki viyo pee mpaka wosi mamembara wakwani (Chipeleganyu). Zina lingusinthikaso kuja ma Village Savings and Loan Accounts (VSLA); wanyaki watiti Banki Mkhondi, ndipu World Vision pakwamba yadanga magulu yanga kuti Savings Groups kweni sonu idana kuti Savings 4 Transformation (S4T) – kung’anamuwa kuti Kusunga ko kukutuza ndi kusintha munthu pa umoyu waki wakajaliru.