To begin with, all of the groups that CARE established in 1991 are still functioning; the members are still accumulating savings – now larger amounts – and taking and repaying loans with interest. In fact, following the women’s lead, men in these villages have now started their own VSLAs. And young people, who 18 years ago were infants and toddlers clinging to their mothers during group meetings, have also started VSLAs of their own. When Ms. Mamane visits these villages today, she is warmly welcomed. “The women tell me that since we started these groups their lives have.