States in the South are no longer able to fulfill their redistributive function, that is to say to provide for the socio-economic needs of their population. In this context, the rural and urban populations of these countries are obliged to develop new forms of solidarity and mutual assistance in order to find solutions to the problems they are confronted with. Although the use of this notion is recent as elsewhere in Francophone Africa, it nevertheless relies on the organization of inherited practices of volunteering and adherence to collective work very old Twenty years ago, the Kabare chiefdom developed savings and credit groups on the model of solidarity mutual. Farmers are grouped either according to the environment, the affinities and according to their activities are fixed an amount, the deadlines and the beneficiaries by rotation. Designed to provide basic financial services to their members, these endogenous initiatives operate in the informal sector and receive no external input in terms of funding and training. In addition, the difficulties of appropriation of these decentralized financing structures by the members constitute the blockages in the evolution and the perpetuation of the financial services. Added to this, the low membership rate of the members, the low contribution rate of low household income, the poor organization due to lack of expertise, the proliferation of savings and credit institutions, the overlap and competition caused by the current diversification of Village Savings and Loan Association.